1991 05 17
.
CHANHASSEN SENIOR COMMISSION
REGULAR MEETING
MAY 17, 1991
Chairman Montgomery called the meeting to order at 9:35 a.m..
MEMBERS PRESENT: Barbara Montgomery, Sherol
Kubitz, Emma St. John and Selda Heinlein
MEMBERS ABSENT: Betty Bragg
STAFF PRESENT: Sharmin Al..;..Jaff,
Montgomery: First of all we have approval of the agenda. I would like to
add a cou~le things to it if Ima~. Does anybody else have anything?
AI-Jaff.: Please. Can we svJitch items 3 and 4 so that 4 would become
number 3 and nUmber 3 become number 4?
Montgomery: Sure. Also I'd like tOHadd an item about planning a trip to
the Chaska Senior Center. Let's talk about it and see if anybody wants to
arrange that. Let's see, let's make that item 5.
--
APPROVAL OF MINUTES:
Montgomery: Does anybody have any additions or corrections of th~ Minutes
of the last meeting? Okay, if not they stand as read.
Cindy Reese: Sure. Can
see 0s or do you want me
SERVICES.' OFFERED FOR SENIORS BY THE CHANHASSEN.. BANK
ASSISTANT VICE-PRESIDENT MARKETING BANKING MANAGER.
Montgomery: We t.hink it's very good of you to come and
your services to us. Would you like to just stay where
Montgomery: I think so, sure.
--
Cindy Reese: Okay, well I'll start and then pass over the microphone to
Dave after I get finished. My name is Cindy Reese and I brought some of my
cards if you want. But what we wanted to do today, I was talking with
Sharmin and reading in the Villager that you had formed this commission and
I wanted to come out today and let you know that the Chanhassen Bank, as
you probably know, has been in Chanhassen for 72 years serving the
communi ty's fi nancial needs. , We really try to take a very active role in
the community and give back a lot of the things that we get. We have,
there's such a thing called the Community ReinVestment Act which is some
legislation nationt1.Jide that all banks are supposed to comply with and ~1.Jhat
that really says is, it's very important for a .bank to give back to the
community that it serves in many different ways. Whether it's through
special products and services to meet the needs of special groups of
fesidents or donations and contributio to important organizations and
Senior Commission Meeting
May 17,1991'" Page 2
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groups. Or just by service of the indiv duals at the bank and glvlng of
our personal time to help meet the needs And at the Chanhassen Bank, I
wanted to come today and let you know that we have 8 officers in the bank
and we're all very active in different aspects of the community. Whether
it be Chambers and Jaycees a.nd School Boards or School Foundations. We try
to support the youth in the area.and do a lot of things to support the Just
Say No to Drugs effort and the Project Charlie and a lot of the things for
the youth. We introduced the Outstanding Youth Awards last fall for Grades.
1 thru 12 recognizing our outstanding youth and we try to support the
businesses and do different thfngs we can, both for our small retailers
town as well as the bigger businesses out in the industrial park. And
something that I hadn't realized we had Was a Senior Commission until I was
talking with Sharmin. We do have some special services already for Seniors
and I wanted to come today and tell you what we already have and let you
know that we'd like to do what we can to mak~ our services available to you
even more so. If yoU don't know about them, we want to be sure you knol;.J '
about them and if there are things that you need that we don't currently
have, I'd really like to either part of your group periodically or if I can
visit with you from time to time and you let me know what you need. At the
bank we'd like to do what we can to listen to your needs and try to respond'
to that and meet any special needs that maybe you as the group of seniors
might have that we haven't yet recognized. Let me start 1 guess by just
showing you what we do have at the bank for seniors and I'll tell you a
little bit more. I'll tell you a sneak preview of something that we're
planning to introduce later and you're like one of the first to know. And
of course here I am on tape so you have to promise to keep it a secret.
But we'll go through this first and then I'll tell you what else we're
planning. We have a special checking account and group of services for
anyone who's 55 years or older and we .call it our 55/55 checking. But
basically it's totally free checking for anyone who's 55 years or older.
They don't. have t.o keep a minimum balance. If t.hey keep $1.00 in it. or
$1,000.00 in it, there's no monthly fees whatsoever and we feel that when
someone's reached the age of 55, that's the least they've earned so we'fe
happy t.o give free checking to our seniors. Then the other 55 part of it
is, we give 55% discount on all of our check orders. Whatever kinds of
checks a person would like, they get 55~~ off. In addition to that, we have
free notary service, free telephone t.ransfer. If they'd like to transfer
money out of checking to savings or out of savings to checking, they can do
that over t.he phone. Half off of safe deposit boxes and we've got. all
different sizes.
Heinlein: That's new. I just. paid by bill.
Cindy Reese: And you didn~t get half off? Well
name down. I'll go check on that. Selda.
Jay Johnson: Maybe they didn't realize you were 55.
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Cindy Reese: That's right.
Do you know Elaine at the bank?
Heinlein: Yes.
Senior Commission Meeting
May 17, 1991 - Page 3
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Cindy Reese: Yeah? Well I'll check. We'll see if Elaine's got our
records right. We'll see what your birthday, maybe it says 1941 or 51.
Hei nlei n: 1913.
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Cindy Reese: Maybe those numbers got transposed and it says 31. I'll
check on that. Well we'll get that corrected Selda. If you haven't been
getting half off, you will get that rebated. And then we have first year
free credit card and I know a lot of times our senior customers say oh, I
don't want to use credit cards but sometimes it's nice just to have, if
you're going to go on a trip and you always needs two forms of 10 so if
nothing else it's an 10 that you can have. This is what we cUrrently have
in place for anybody 55 years or older and here's the sneak preview part.
Now don't tell u nti 1 you hear it off iciall y but we're pIa nni ng on enha.nci ng
this even more. The target date to introduce this is August of this
summe'f. It will be even better. You'll be getti ng interest on your
checking with no mini~um. And we'll be giving checks free. Instead of 55%
off, it will just be 100% off so it will be totally free. We're going to
have'different trips that YOU can take advantage of. Maybe day trips.
Longer ones. A couple of nights. Overnights to some select places like
Dorr County. Different nice spots that are fairly local but make a nice
outing. And we really checked out the different companies that ~.lJe want to
work with to make sure they're very reputable and run excellent programs.
and that kind of thing. Some seminars we would like and'plan to offer.
Maybe on estates and wills or different planning things. Some safety
issues. Maybe some crime prevention type things and this is where your
feedback, you tell me what is important to you and we'll plan accordingly
but we really plan on enhancing our program for seniors even more so than
it is l-ight now. There will be I think free traveler's checks involved and
some other things too. So that's a sneak preview and don't tell please
because I don't want all my competition to hear about it okay but I just.
thought I'd let you know that we do really value the seniors of the area
and the bank really does .try to take a great interest in the residents of
t.he community of all ages from the youth to the seniors and we'd like to
get even more active if there's anything we can do.
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Heinlein: I found you very, very helpful. I was only up here a short time
when my husband died and I got a lot of help.
Cindy Reese: Well I'm glad. We try and we've got a lot of really nice
folks. We've got some new faces that you probably haven't seen and then
we've got some folks that have been there for over 30 years. Elaine and
Theresa have been there over 30 years and then we've got some brand new
personal bankers t.hat are really nice and really sharp and everybody
inbetv.Jeen so we really want to go the extra mile and I wanted to be sure
today that I told you that. We want to be receptive to your needs so if
there are things we aren't doing that we could be doing, let me know. Dave
is my sidekick here and Dave Amundson is our Real Estate Loan Officer so he
handles all the mortgage needs, home buying, construction and.that kind pf
thing. And when I visited with Sharmin on the phone, she mentioned that a
new product, a fairly new product called a Reverse Mortgage is something
that was brought to your attention by the Metropolitan Council. That it's
Senior Commlssion Meeting
May 17, 1991 - Page 4
a product and that's why Dave's here. He's going to tell }'OU all about
but it's a product that might be of special interest to some seniors as
they look for ways to be able to stay in their home and get some income
of bei ng able to stay in the i r home. So \1~i th that I'll tur nit over to
Dave.
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Dave Amundson: Sure. Let me briefly talk about what I do over there.
It's mainly the Real Estate work. As Cindy mentioned, we'll do home
improvement loans, new construction loans, something maybe would be fitting
for seniors, we're involved with the State of Minnesota. Minnesota Housing
Finance Agency. Weive got low income money available for home improvements
plus home energy so we ''Ie got a full l"ange of what we can do wi th the State.
related, mortgage related wise. Another popular program we've got, home
equity lines where you have a line of credit. On those programs, virtually
everything is at least interest payments or in most cases principle and
interest that you're paying on monthly. And one thing I can talk about is
a reverse mortgage and talk a little bit about the concept. Fortunately
there's, in my real estate I ''Ie been doi ng some type of real estate I;~or k
for about 15 years and since I've started I've heard about reverse
mortgages but there are not a lot of people in the area here doing
It's very difficult to find. In fact I did some calling yesterday
call some of the bigger mortgage companies. Your Norwests, nobody that
I found is actually doing reverse mortgages now. None of the contacts,
we're working with about 3 mortgage companies that we would sell our
m6rtgages through or originate mortgages through. None of those people are
making reverse mortgages so it's not a new concept. It seems to be bigger
on the east coast and west coast but it's hard to find in the local area.
Basically what the reverse mortgage is, is you're getting a set, a fixed
monthly payment from the equity in your house but you're not making monthly
payments like you would be mortgage payments or interest payments.
Pr i nciple 8. nd interest payments that most people thi n k about on a
traditional mortgage. So you're actually using the equity or the house
collateral. Receiving fixed payments. Those can be set up as for like
annuity so as long as you're alive yoU continue the income stream under
this reverse mortgage or they can be set up up to between a 5 or 20 year
time period. So you'd be getting an income stream for this 20 ye~r period.
What thinking through real estate, my concern would be probably about 3
main things. One is what happens at the end of the time period? Either
when the main party would be deceased or if you're moving into a nursing
home or whatever would be happeni ng, what happens tl>Ji th the remai ni ng
collateral in the property? I think everybody's got a different program
and that should be researched out as people are working on this. Some have
a program where you would continue to receive for example 30% of the equity
is still remaining in your property once either the time period is
compl~ted or upon death. The thing to be considering is what happens if
your property is actually going up in value? Who gets that money? Yqur
house is worth $100,000.00 today and in 10 years it's worth $110,000.00.
What happens to that S10,000.00? Third thing is, what does it cost me to
get into the program and how can I get out of it. If your fees, . and in
most cases you're not actually putting anything up front but in most cases,
if you're looking at, for example a first mortgage, by the time you've got
an appraisal and credit reports and title work, origination fees for the
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Senior Commission Meeting
May 17, 1991 - Page 5
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processing of it, you're normally looking at about 3% of the mortgage
amount and from what I've seen on these reverse mortgages, the articles
I've read, you probably not only have those fees that are kind of built in
but there's also some risk fees between maybe 2% to 7% that I've been
hearing about. So the question is, what happens if you're 2 years into
the program. You have to go into a nursing home. HOv.J much equity have you
actually lost? So those things you want very clear and probably an
attorney to review or an accountant to review documents as someone \JJho
would be approaching you ~n a reverse mortgage. I'm assuming most of these
reverse mortgages probably are written through insurance companies rather
than the traditional mortgage or banks. I've got a couple names that.T'\./e
seen. And again, primal"ily from the east coast and west coast. There's ari
Amer ica n Homestead out. of New Jersey and prudent.ial Home I ncome or
Providential Horne Income out of San Francisco. Like I say~ from my 15
years of experience in real estate, I've never run across anybody that I've
ever part.icipatedwith or approached me about originating this type of
mortgage instrument. But obviously it's got some merit as people are
looking to generate some incomew Use that equity t.hat you've built up over
the number of years that. you've lived in ,the house a ndta ke adva ntageof
it.
AI-Jaff: I had never heard of it, Never heard of a reverse mo'(tgage and
as I was reading a '(eport that came from the Metropolitan Council, I came
across it.
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Jay Johnson: Well it's selling...
Dave Amundson: Yes and no. I guess one way t.o look at it is just Ii kean
annuity. When you go to your insurance company. I pay you $20,OO~wO~ and
you give me $400 .00 a month for the rest of my life. Well ,you 're using
you'( house as the collateral but then that opens the other can of worms as
what happens if I die right away. What goes to my estate or the remainder
of my estate? What happens if I change my mind in 2 years? Then what do
we do? What are my costs? How much have 1 lost? So it's something to,
it's a,new concept but it should be researched thoroughly.
Howard: Is this based and also 'your low interest loans, are they all based
on low income?
Dave Amundson: Right. For examplet.hehome improvement that we've got is
through the State of Minnesota. There's a sliding scale depending on
income on the home improvement section. The home energy, I think that's
around 8 1/2%-8 7/8%. That has no bearing on income. We've also been
i nvol ved L".)i th first time homebuyers. That's probably not a seniorsprogr am
obviously because most people, it could be I ~uess,but in most cases
you're looking to either downgrade or take advantage of the ~quity that
you've built up. But that's al~o a program that will probably be in the
mid 8% on a first time homebuyer type program' nOL".) and that would be through
the State also.
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Montgomery: I can see that there might be some, questions about taxes too
with the reverse mortgage.
Senior Commission Meeting
May 17, 1991 - Page 6
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Montgomery: I wonder if it's regulated by any thing?
Dave Amundson: Exactly.
Dave Amundson: I'm sure, you probably are both regulated on this under the
insurance industry and the mortgage industry. Because if is basically
almost an insurance type concept using the value, the equity in the house.
Cindy Reese: Instead of you, excuse me.
St. John: When they have given you money then monthly and that wo~ld
amount to more than what your equity is worth, what happens after that? Do
they keep on paying you that.for the rest of your life or is it cut off?
Dave Amundson: If it's set up on an annuity type, just like an annuity. If
you live to 147, you're going to get, that continued monthly payment so
that's kind of the concept assuming some people aren't going to make it to
147 and are only going to make it to 57 or something and some would make it
to that so in that annuity case, you would continue as long as you live.
In some cases it's set up, in some programs, just for specific, you get it
for 10 years. The end of the 10 years, you've still got $20,000.00 value
in your house. It's time to sell the house.
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Cindy Reese: But it appears from what we've seen, and again we can't find
any banks in the Twin Cities that are even doing them so we couldn't get
real good concrete information for today. This is just based on articles
published in National publications that we know what we know but because
the programs vary and the places where they are doing reverse mortgages
there are options between the annuity type like Dave is speaking where
you'll get. something from now until the day you pass away no mattel' hOlrJ old
you are. obviously you can figure that your payment in that type of program
is pl'obably going to be much lower because they do have the risk that you
may live 50 more years than if you chose a 10 year fixed program, you
probably would be receiving much larger monthly chunks but then at the end
of the 10 years, if you did live 50 and you opted for the 10 year program,
at the end of the 10 years you don't have your house anymore and your
income stream has stopped. So YOU know it appears from what we've read
that there are a lot of different options and you really want to research
it real well and have an.attorney look at it with you and that kind of
thing. I don't know. Maybe because in the Midwest here we're conservative
or somethi ng . You knov~ we're not leapi ng into this product.
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Montgomery: I had read a couple of articles t.oo and both of them were
advising extreme.caution.
Dave Amundson: Plus we probably haven't had some of the housing inflation
as in the east coast and west coast where .i f you're by the ocean your house
is worth a half a million or whatever and cost of living is much more
expensi ve. I thi n kit's even a mo,"e popular concept out there.
Cindy Reese:. Right. Right.
Senior Commission Meeting
May 17, 1991 - Page 7
Dave Amundson: Right. From what I'm seeing just doing
a lot of questions.
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Kubitz: There's a roof over your head...:real fast if you're not careful.
Cindy Reese: That's right and ~.Je don't have a real good comfort level
either and I think just by Dave placing phone calls all around the Twin
Cities and finding that nobody's doing them, that kind of tells you that
lot of banks aren.'t real comfortable with them just because,of that
example.
Montgomery: I really appreciate the fact that yo~'re bringing thls before
us because this is the sort of thing that people can really get trapped
into.
Dave Amundson: Right. Exactly. There is apparently going to be an FHA
type program through the Housi ng and U)-ban Development, a national program.
I've been reading some articles. I don't know if any, again nobody that
I know is doing it but I think there's a program through HUD on a reverse
t.ype mortgage so that's ki nd of a government sponsored and regulated. It'd
be interesting to see that one. I've never seen any documents other than
they've got it worked up and I'm not sure what part of the country's doing
them but obviously the east coast and west- coast is ~.Jhere they've started.
e Jay Johnson: I can see this being used by unscrupulous to obtain your
house from you with offers of great money right now and whatever and
fine print, I can see the Snidley Whiplash Mortgage Company getting
[nvolved in something like this.
AI-Jaff: I was just surprised, now that I'm learning all this about it,
I'm surprising that it's recommended in the report by the Metropolitan
COLl ncil .
Kubitz: If it is recommended in there, I would question it.
Cindy Reese: It might be interesting if you have a contact at the
to ask them what, is there a local source because perhaps the~e is
source that Dav~ wasn't able to tap into and perhaps it is the FHA
The Federal, what's that stand for~
Dave Amundson: The Federal Housing Association.
Cindy Reese: Right, and if it's the FHA version, you know there would be a
comfort level with that because the FHA of course you can rely on their
dependability and ~\!hat not so maybe the Metropolitan Council has contacts'
with ah FHA version.
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Dave Amundson: And maybe they've got an approved list or something like
that of 3 insurance companies that are doing ~hem in the area or if there
is a mortgage company doing them, I'm not aware of one.
Senior Commission Meeting
May 17,199~~ Page 8
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Howard: Would your house have to be cl~ar of a mortgage to enter this
protH'am?
Dave Amundson: I don't believe so. You know if you've got maybe a
$5,000.00 moy-tgage left on it but the house is \lJOrth $105,000.00, you knoL~
you've still got a lot of equity in it that you could probably tap in.
Obviously they probably do some title work just to make sure that
everything is free and clear and there's no other problems on the title
I would think they're be w.illing to record it as a second mortgage and use
equity.
Howard: I've heard of this. I think it's a marvelous idea for
be able to stay in their own homes under certain conditions.
Dave Amundson: ,Yeah, I think it's a good concept. Something to be aware
of and I think my concern overall is what does it cost in fees and if you
want to get out of it after 2 years, if you all of a sudden have 5% or 10%,
in fees, it was a bad decision. Gut for long term, if you're planning on
staying in the house another 15-20 years and you know what it's going to
be, that you'll be netting out in the end and if covered, some of the
inflation values to the house, I think it would be an excellent thing
lot of people.
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Howard: There was an Old Age Assistance Program years ago . I don't knot.-J
if they exist where you signed over your house and then you w~re able to
stay in it. Upon death it was referred to a State sponsored. Does that
still exist?
Dave Amundson: I'Ve never heard 6f it.
Howard: I had grandpay-ents that did it. Signed over their property and
they could have limited resey"ve.
Jay Johnson: I kno\lJ people who have sold their property. In fact lJ.Je have
one in here in town, sold to a developer and part of the sales agreement
was that he's able to remain on th~ property as long as he's able to, if he
has to go into a nursing home or anything, the developer then gets his
property or if he dies, the developer gets his property. Gut he's sold his
property several years ago and if the gu.yS lives t9 be 105, he'll be there
for the next 30 years.
AI-Jaff: He was granted a lifetime estate.
Jay Johnson: Yeah.
It
Cindy Reese: If the State actually has a program, like ~"ith some of the
things that Dave mentioned, the home energy loans and the first time home
buyers program, a lot of t.imes t.he St.ate will establish a pool of funds and
then as a bank L>Je go in and apply and get approved as a bank to offer the
program. So if by chance when you're speaking with the Metropolitan
Cou.ncil, if they indicate there's such a program like that, then Dave
always looking for opportunit.ies where we, the Chanhassen Bank can go
senior Commission Meeting
May 17, 1991 - Page 9
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Get approval to use a pool of the funds for our area residents. So we just
haven't heard of it and of course, because we do participate in a lot of
t.he other programs, we're usually the first t.ohear if another type of
program is rolling out and we have the opportunity at that time to sign up
for it and I t.hi nk we've all'Jays signed up for everyt.hi ng t.hat. comes along.
The low income and the first time home buyers for t.he young people and that
kind of thing to try to offer that. to the area. But. we'd be happy to do
this if there's such a thing available.
AI-Jaff: I t.hink I'm going to put all this information in our next
newsletter that goes out to all the citizens of Chanhassen. Usually
there's a section for senior citizens so it. would be really nIce to show
them ~l.Jhat is offered from, senior citizens. '
Heinlein: You couldn't put it in very s06n. You'd have to wait until
August.
Cindy Reese:' This part you could. This isn't a secret.
Belliaon: How many have you mailed out?
Al-Jaff: We haven't mailed them out.
--
Bellison:
Any of them?
AI-Jaff: It's being printed right now.
Cindy Reese: Well if you at some point get discouraged where you are, we
can do all the papen.Jork to transfer it for you. Did you know that?
Anytim~ when we have people moving in from out of town,or people that just
are not pleased with their current banking relationship, if they come into
the bank. They say I'd like to change banks but I hate to go there and
tell them to close it because I don't'want.to hurt their feelings. We can
do all the paperwork at our end and with your signature, we send that off
and bank to bank we can transfer everything over and our new customer never
has to go tell their old bank that they want to close it. We can do it all
for you with your signat.ure and everything. So if you get discouraged
where you are, we'd love,to.
Well maybe when this new thi~gthat you got a sneak
maybe.
Heinlein: Well I'm half.
Kubitz:
. . .~..Jith all the MidvJest Federal mess.
Cindy Reese:, Oh really., We did see a lot move our way.
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Kubitz: I'm just waiting for First Federal and that one's going t.o go and
so you'll see me again.
Senior Commission Meeting
May 17, 1991 - Page 10
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Heinlein: My husband worked for this one bank in Chicago for 45 years
before he retired so everything was handled there. Everything he ever did
was through there. Then when 1 got. up here, 1 gradually was pulling some
of it out but then when he passed away, I just simply notified them, I told
the bank what I was going to do and they handled it very nicely.
Cindy Reese: Great. Well I'm glad. Your finances aren't an
you'd like to have a lot of hassles with so ~"e try to make it
can at all.
Montgomery: Can you tell me something. Can you authorize stock transfers?
Can you sign for a stock transfer? At one point 1 remember I had to get
the bank officer's signature.
Dave Amundson: Yeah, we can guarantee the signature.
the back it asks fo~ a bank officer so we can do that.
Cindy Reese: We don't charge for signa.ture guaranteeing either.
Montgomery: Sometimes it's these little things you know.
over town.
Cindy Reese: And you don't know where t'090 for it.
e Kubitz:
lawye,.
I found Fi,st Bank to be very helpful in that at nQ charge. A
Montgomery: Anybody else have any questions fo, them?
Al;-Jaff: . . . that we are goi ng to form a subcommittee to do the research on
whether Chanhassen needs housi ng or senior centeY" for seniors in Chanhassen
and you said that the Bank would be very interested in having a
rep,esentative for that committee.
Jay Johnson: Some expertise in Teal estate would be very helpful.
Montgomery: We're really getting excited about it but we',e t,ying to
control ourselves. We have to do this study and I think it's really a good
idea and I think that will help us to get off on the right foot. It's very
nice to know that you're interested.
Ci ndy Reese: Yes, please. Keep us posted. and if other thi ngs come out. of
your discussion that we could eithe, come back and address for you or
gather information and send it to you, just let us know.
AI-Jaff: The study would probably start in September so we still have 3 or
4 months. We'd have to form a committee so we have 3 or 4 months to form
this committee.
It
Cindy Reese: Al,ight. Well, I think you can count on the bank as
supplying a person if you'd like us to. Well thank you. It's a pleasure
to meet you all.
Senior Commission Meeting
May 17, 1991- Page 11
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FOR OLDER PEOPLE IN
Montgomery: I think everybody got a copy of the report from the
Metropolitan Council. Sharmin, do you want to ellaborate on that?
AI-Jaff: We got this re~ort from the Metropolitan Council and thought as
long as we t.lJere goi ng to do a housi ng study in Chanhassen, I thought the
Commission would be very interested to learn what's going on in the
metropolitan area. They do anticipate that within the next 50 years there
will be demand for housing. It's not going to hit us all at the same time.
Within the next 10 years we need to start preparing for, no I'm sorry.
Within the next 5 years we need to start. preparing for housing but the
period of time in which we have to prepare for senior housing is goin~ to
be a time period of 15 years so we don't have to jump into this immediately
and have all the buildings up today or tomorrow.
Montgomery: r think my only questionOl-concern about that is that
the Metropolitan Council certainly did not recognize the growth in
Chanhassen where thepopuiation had doubled and Paul Krauss kept trying to
tell them that and I'm wondering how many Qfthese figur~s are also based
on the wrong statistics. There's a real concern. Another concern I had
too was that they did not, all the information that they had did not go
back to a certain age. Some of it was for 55. Some 62. Some ~5 so how
can you project that for 10 years if you don't know where you're starting
from? Those were my main concerns after r~ading it.
AI-Jaff: I think what they did was they looked at the baby boom
generation.
-....
~
Kubitz: That's what they were interested in.
Ai-Jaff: Exactly. And when is that generation going to reach the age of
55-65-75 is basically what they were looking at.
Howard: Not too worried about the people that are going to reach that age
beforehand. But when they take an average of everything for these
statistics, the average at 60th and Nicollet. is not the same as. the average
in Cha~hassenso we are not going to fit thos~ averages.
Montgomery: So we may have our own needs that are not matching.
AI-Jaff: They are seeing that Carver County will experience a lot of
growth in the older or In the senior, 55 and over age people. There will
be a large growth so those counties, or Carver CoGnty needs to prepare for
the growth. And I thought that cQnnectsperfectly with the study that ~e
are preparing for. .
e
~I\ont.gomery: So our's is local ized rather than dependi ng on
generalizations?
AI-Jaff: Correct. I also ordered, this is a summary report. I did
forward the original report. I don't know when it's going to get here.
Senior Commission Meeting
May 17, 1991 - Page 12
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Hopefully soon. Maybe in ~ few days.
Montgomery: I'd be interested to see how they put it together.
AI-Jaff: Sure. But I just wanted to bring it to your attention"
Kubitz: Well I thought it was interesting that there is some low
subsidized housing and lots of high income housing but the gap inbetween is
missing.
~10IltgOmery: Which is what we've been hearing about.
Kubitz: Which is what we need.
AI-Jaff: They're also. throughout the report! noticed that they aYe
encouraging people to stay at home.
Kubitz: All except the tax assessor.
e;
MOlltgomery: I think a lot of people would encourage him to stay home.
AI=Jaff: See if there is a way that we can have an individual stay at
home.. .better than creating a senior complex where you vJouldtakethe
person out of their hom~ and create a complete new ~nvironmentfor them.
What they're concentrating on is finding ways to ke~pthem at home. People
to come in to help with the chores or.
Kubitz: In home services.
Montgomery: Theie are a lot of home services that are needed~
,
St~ John: ...whether these 'people can afford it themselves or get help.
Montgomery: There's an inbetween stage that's difficult. Where you don't
qualify for the low income stuff but you don't have any money either.
Howard: This is where this reverse mortgage might have some merit if it
worked out.
Mont.gomery: If it t.urns out. t.o be a good deaL
st. John: But it is scarey when you think of what's going to happen with
debt reversal mortgage.
Kubitz: Well yeah. If property values keep going up and you don't live
too long. But they could drop.
It
AI-Jaff: Paul and I were discussing t.his and Paul said, well 10 years from
now the Bank will end up owning your house. What if you outlive those 10
years?
t10ntgomery: Also, ~-'Jhat if the company becomes (1 nsolvent?
Senior Commission Meeting
May 17, 1991 - Page 13
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Howard: If you ~'Jere to make it 1 ifetime, that would be the logical way for
elderly people who have no income and the~ don't care about building up
equity. t.Jhat they care about is surviving. . .
AI-Jaff: See I had never heard of a reverse mortgage.
Kubitz: Speaking of this reverse mortgage and the bank taking over your
house, this is what happened to my mother tAJhen her aunt died because she
had, she decided she couldn't do her o~-'Jn fi nanci ng and l.AJhat have you so she
had a trust and the bank handled it all and when she passed away, the bank
too k her house. And it t-'Jas supposed to go to my mother accordi ng to her
will, she knew nothing about all this. They took the house and everything
in it.
e AI-Jaff:
I'll make sure I make copies for everybody.
Howard: If you were to go into the Shriner;s.~.you sign
Or they used to.
Bellison: Yeah. No, I know because my husband was a Shriner and. ..it's
Just strictly...
Montgomery: Anymore comments about the ~eport?
Howard: No, but I'd. be interested to see the full report.
Kubi tz: This I thought IIJas more metropol i tan, Mi nneapol is/St. Paul than.
AI-Jaff: Well actually it looks at the 7 county area.
Kubitz: It's supposed to be the 7 county area but they do say this is.
really basically the metropolitan area, Minneapolis-St. Paul because that's
where a lot of the housing Is and all the different varieties~
Heinlein: This is 11 years behind
AI-Jaff: But it's interesting to see the figures
population is going to grow in the metro area.
St. Joh~: And sometimes it makes it a little scarey when you think of
what's going to happen at a time whe~ you cannot stay in youY home anymore.
AI-Jaff: This is where maybe our next month's meeting we contacted Jen
Craig.
Montgomery: Yeah, she's the new Home Service~
st. John: Oh, she took El~ine Evan's
--
Montgomery: Yeah. And she will be the person to contact for
home services and public... She's just taken over sol think
month will be a ~ood time.
Senior Commission Meeting
May 17, 1991- Page 14
AI-Jaff: Next month she will be coming in and we're going to contact
s6mebody from Carver County to also come in so we can compare services
between Hennepin and Carve~ County. I also found ~ut thatChanhassen is
elligible to use the services coming out of Hennepi~ County.
Morttgomery: They are?
AI-Jaff: Yeah.
Montgomery: That's
AI-Jaff: 8ut that ~..Jill be next month on next month's agenda.
Montgomery: I thought in p,eparation for that sort of thing and I think I
talkded to each of you about this. I thought it might be good for us to
help research some of the services to seniors in Chanhassen. The reason
behind it I think that it's helpful not only to find out what's available
but also to find out as a person who's just trying to find housing, how
does it go? You knot>J hO~>J are you received? Can you find out what you
want to know? Is it hard to get the information? Is anybody there? Have
all the numbers chang$d and all that sort of thing and I thought perhaps we
could begin to and do some calling perhaps in a certain area. I think you
each have one of these things that the ~outh Shor~ put out and there's some
broad categories here.
AI-Jaff: Not everyone has them?
e
e
~10ntgomery: 0 kay, maybe Sharmi n can send them out. And also inhere there
are broad categories. This isa very old directory but first call for help
is a Metro Area information line and in it they have it broken down into
lots of different areas. You can look under the title of the agency or you
can look under what it is you're looking for. Like hearing loss help or
transportation or t>Jhatever. And so I'm suggesting, you may not v4ant to do
t.his or go along t.Jith it but I ~"rote out, follN"i ng this schedule. that's in
here, sort of a format, some of the questions that they seem to have
thought t.Jere necessary, in getti ng information to people, these were the
questions that they really felt they needed to know about an agency in
order to really understand what services they offer. I think it would be
helpful if you more or less follow that kind of a format, and maybe not on
that order but that's the way it is in this book. Also you may have some
different areas that you're interested in covering and I made out some
other slips here and I'll pass it. around. These are different cat.egories.
Emergency, advocacy, legal, home health, transportation. Let's see if
there's another one in here. Senior center. And if you could pick, and
you don't have to do this for a 5 day run or something but if you pick a
few of these and just see what happens. I think we'd learn a lot. I was
trying to find some home services stuff and you do go through several
channels to find what you're trying to get. What is interesting is. 8etty
8ragg is running into this sort of thing right and left. She needs help
and it isn't always that easy just to put your finger on it. So pick one
of those. r don't care which one you take. Something that you feel that
you'd like to know or have an interest in and then just see how it goes.
Senior Commission Meeting
May 17, 1991 - Page 15
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You \'Jere mentioni ng looki ng up discounts and I thought maybe yours would be
the financial thing would interest you... And I don't know who wants what.
HOl..Jard: Another one is, that 8etty had mentioned to me is t.ransportation.
Montgomery: That's in there.
8e11ison: She didn't know about CART?
Howard: I have a gal who \tJorks for me and .she mentioned how high her water
bill\'Jas and.. .andshe said despite my senior discount . Isaidsenior
discount? So then someone else told me that it's low income discount...
Anothet Excelsior person told me but I don't kn6wthat places acquaint you
\JoJi th this or that you have to find out what ex ists.
Montgomery: You know I think that's true of so many things. The help may
be there but as they mentioned in that MetY'opolltan repoY't, people don't
knot'.! it. So l'.!hat? You can't use it if you don't know it.
Jay Johnson: A senior discount foY' utilities makes some kind of sense in
that most of you don't use as much utilities in the first place anyway.
e.
Montgomery: Let's see. Do YOu want to tell who has what categoY'Y.
probably should keep track.
I
8ellison: I took senior centers.
HowaY'd: I took the financial.
Kubitz: Home health.
Montgomery: And Betty also had mentioned that she would like to do some
research on aids that can help you get dressed. Things that help you zip
up the bac k or all that. sort Oft.hi ng.lt.' s really helpful. Okay ,t.hat. ' s
Jane. Selda?
Heinlein: I t.ook t.ransportat.ion.
t'10ntgomery: Good. You know lot.s about that. She can get a,ound anywhe,e.
8ellison: I need t.o find out, 8et.t.y l'.!ould you like a lepolt. on t.his at. t.he
ne><t meeti ng?
Montgomery: Well it. would be helpful if you've done some stuff and then we
could ask these people questions too. If we lun into something oY' give
t.hem feedback about. what. our feeling was about. the calls. And the ones
that I made, the people actually were velY nice and velY helpful and I felt
that they did a good job. However, some of the numbe,s had been changed 01
the personnel \JoJas changing and that SOlt of thing \>Jhich is an ongoing
problem.
e
Senior Commission Meeting
MaY~7, 1991 - Page 16
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St. John: Well I've got 3 of them here which the ones that are really more
interesting are already picked up. Have to take t'Jhat's left huh?
Montgomery: Well you can share. You know if you find some information and
what to work on somebody else's, go right ahead and just share.
St. John: Well emergencies, put me down for that.
8ellison~ What other categories are left Emma?
Howard: Call 911.
Montgomery: I don't know if everybody else gets all these things. There~s
a lot of good information in these things but you have to pick it up and I
think you'll all find, some of your categ6ries in here somewhere.
St. John: Health and legal.
St. John: That Ridgeview classmate of mine on the back page, she
husband, or is it in the inside. She and her husband are active
volunteeis.
e
~10ntgomery: So read all the junk that comes and see what you can find out.
And theie are things in the paper. You'll find articles in the paper.
Here's another thing. Gray Matters. Have you ever seen this? From the
University? There's a lot of good stuff in it.
t10ntgomery: Progra,ms for older adults. University of Mi nnesota. 137...
315 Pillsbury Drive S.E., Minneapolis. And if anybody wants it, call me
and I'll get. your address in. I don't knolrJ why I happened to save it. So
I don't knolrJ. 8e cieative. l.Jhatevei you come aCiOSS or whatever you think
we need. Just maybe tal k to some people. See t'-Jhat they've stumbled over
and I don't know wheie stuff like adult daycare Oi some of this. stuff fits
under what category. You don't have to, if you want to look up something
else fine but I just thought it'd be niceto"have some representation from
each of these. categories. Okay, now how about your idea? Anything in
particulai you wanted to change? What was yours?
St. John: ~~e had somebody from the Gray Matters speak at the South Shore
Center at one time. Very interesting.
AI-Jaff: I took the legal.
8ellison: Now on senior centers whic~ is my category, what would be the
valuable information? Where they'ie located. The houis... They're all
pretty much open the same. Some have congregate dining and some don't.
e
Montgomery: That's right. What services do they offer and what's the
charge for them and how do they get there and all this stuff. And it's
different at each one.
Senior Commission Meeting
t1ay 17, 1991 - Pagel?
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Heinlein: Seniors are going to the Chaska Center the 21st of June. It's a
~otlubk type thing where you all have to bring something and th~y're going
t.ohave entertainment.
The 21st.?
Mont.gomery: Isn't. that t.he dat.e
Heinlein: Yeah I think it is.
AI-Jaff: I've scheduledJen Craig tocom~in already.
Montgomery: That's okay. What time is your meeting?
Heinlein: It.'s for lunch.
Montgomery~ We can leave early or somat.hing. It. won't be a conflict.
Al-Jaff~ Maybe we can ,wrap it up early.
AI-Jaff: We start at 9:30. Probably if you leave here at 11:30.
Heinlein: It. depends on who's going to pick me up and when. I'll have t.o
find out.
e
Mont.gomery: If they can pick you up here.
Heinlein: They'd pick me up at school. Up at school they'd probably pick
some up. They wouldn't. all go in cars I don't think... He came out of the
building and he almost fell so Marilyn pulled a wheelchair off of the bus.
. ..over to his car in it. He would not have it. He stood there and held
onto a post and she took his keys and went and got the car and drove it
over to the school ~-Jith Jo there. Well Jo ~-Jound up driving the car and she
never drives a car. He never lets her drive the car. But she had to .
because he couldn't have driven. It's really, of course he sat quite a
while. He filled in to play cards and that's one thing that he shouldn't
be doing I guess because he can't sit too long and he can't stand too long.
That man is really ill. If he can hold that office until August.
I ncident.all y, that is t.he dat.e of t.he August. 1S ~-Jhen t.hey elect. officers.
Montgomery: Should we set a date for the trip to Cha~ka? Does ~nyonewant.
t.o do t.hat. or would you not. like to do that. as a group?
St. John: Now is this to t.he.
Montgomery: Chaska Senior Cent.er.
St. John: Senior center in the Auburn Home?
Mont.gomery: I think so.
e St.. John: And is that an apartment place or is it a nursing home?
Heinlein: It's a retirement home I think.
Senior Commission Meeting
May 17~ 1991 - PagelS
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Howa I'd :
Somebody just told me it was'very nice.
Montgomery: How do you feel about that? Do you want to go see it? Should'
we pick a date and then see if they would let us come then?
Kubitz: The senior center isn't in the new community center.
Montgomery: Is that still in the town of Chaska?
Howard: Yes.
Heinlein: I know there's a group goes over there every Tuesday for lunch
and then they go shopping. SO far I haven~t been able to make it. They
take them to Cooper:s for shopping.
AI-J~ff: It's just across the street.
Heinlein: Yeah , it 's rIght there. So far I haven't been able to make it
so make it when I can go.
Montgomery: How about the 7th of June?
next meeting. Any problems with that?
That would be 2 weeks before our
It's a Friday.
Howard: , We're goi ng for lunch?
e Montgomery: I don't know what we're going for. We'll have to see what
they would like.
Howard: Well I have plans later that day.
St. John: We would go mid-day or before?
Howard: It wouldn't involved late afternoon?
St. John: No, I doubt it.
Montgomery: Do they have congregate dining at that facility?
Hei nlei n: Yes, they do.
Montgomery:
don't know.
Maybe that would be a good thing if they'll let us do it.
Would you be willing to check that out Sha:r:min?
I
AI-Jaff: Sure.
Kubitz: Getting back into this home care thing. Or home help.
particular thing you want investigated or-just see what there is
Montgomery: Which is yours?
e Kubitz: Home help.
Senior Commission Meeting
May 17, 1991 - Page 19
e Montgomery ~ Well I think to find out who ' s in charge of it and all those
questions I think apply b~cause it's really difficult.
Kubitz: Because that covers a lot of territory.
Montgomery: Yeah it does and you may not, you can just listen first and
see what they don't cover and then ask them a few questions. But I think
it'simpo~tant because.. .so if we publish it somewhere we've got it Yight.
AI-Jaff: Do you want Council members invited?
Montgomery: Sure. If they'd like to go, that'd be great. And Jay?
Jay Johnson: I'll probably be out of town. We've got a soccer tournament
in Wisconsin.
Montgomery: Well cancel it.
St. John: And emergencies.
Montgomery: Well, some of that's done in
things. You know what do they charge for
ambulance. Call 911, who pays for what.
with that. Find out stuff like that.
some of these hospital care
the ambulance 6r who pays the
I've always had some trouble
e
(There were a couple conversations going on at the.sametime at this pofnt
in the meeting.)
Montgomery: I thought maybe we could condense some of this information or
Just turn it over to Sharmin and then she could use it and double check it
to make sure we're right. It mightu.ncover some stuff and also, let us
know what the feeling is about it.
Heinlein: Giving ~ood with the butter and various things like that
St. Hubert's...
Montgomery: They'd be disappointed if nobody came to use it.
AI-Jaff: It's there to be used so.
Montgomery: It just occurred to me, should we have an alternate date in
case that's not okay?
St. John: The 7th of June?
Montgomery: Or should we just try the 7th of June and work from there?
AI-Jaff: That gives us enough. time. I
that's here right now is going? Okay.
it. So everybody
e
Montgomery: Do you all know what happened to Betty. She slipped and on
tOR of everything else she fractured her right elbow very bad.
Senior Commission Meeting
May 17, 1991 - Page 20
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Kubitz:
The wrist.
I thought it washer elbow but it was her wrist.
Montgomery: That's it. The radial bone she said. Anyway, she had to have
surgery and 'she's ina cast.
St. John: And then she had her arm in a sling the day I was over there and
it didn't fit so we put velcro. Got the sling up higher to hold her.
Kubitz: I still think she 's doing it the hard way tofi nd out about senior
services.
Montgomery: Well...let's do it for Betty.
-
St. John:
Yes, but they will take her to her doctor in Hennepin
St.John: Well one thing that she was talking about the transportation.
She has no, was not able oris not able to get any transportation from her
place to her doctor.
Montgomery: But you can. Through CART and I gave her that
They're just great. It's through the County. Provides the
Jay Johnson: Carver County.
Mohtgomery: Carver Area Rural Transportation.
Montgomery: Yes. They took me to St. Mary~s all one week.
Heinlein: I've used it to go to Richfield.
Montgomery: They're just great.
Heinlein: I'm going to call them. I've been using Dial-a-Ride
the chiropractor but I'm going to switch to CART because I have
it's convenient and then Islt there and wait or I have to wait fortnem
because theY don't always know if I'm going to get in right away. Where
CART, they wait right there for you. They !donot leave. When I went. to
Richfield, they were r ightup in t.heoffice with me and waited until I came
out.
St. John: What does that cost?
Heinlein~ That was $4.00.
St. John: Rourid trip?
Heinlein: Yeah.
e
Montgomery: It's in front of the Carver tounty phone book. The Chanhassen
one under human services. Look under transportation. And that's where you
might want to look too if you're looking up some place to call. Okay, and
call me if YOU have any questions or run i~to something and we'll all put
ours together next meeting. Selda had found out some information. This is
Senior Commission Meeting
May 17, 1991 - Page 21
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just sort of a follow-up of some earlier talk about the Chanhassen Card
Club. She did find out that they doha\le some By-laws.
e
Heinlein: They do have, such as they are. The Club shall be composed of
senior citizens of Ch~nhassen and surrounding area. Secondly, this club
shall hold a busi ness meeti ng once a month. Third , the officers shall be
President, Vice-President, Secretary, Treasurer, Chairman and Reporter.
This will be called the Executive Board. Fourth, all officers shall be
elected at the annual meeting the month of August each year. Fifth,
elected officers shall serve a term of one year and maybe re-elected.
Sixth, the President or Director may appoint committees and committee
chairmans fro~ time to time as necessary. Se~en,a quorum of the Executive
Board shall consist of three or more elec.tedofficers. Eight ,duties of
the'Executive Board shall include the consideration of matters of 1 fI te rest
to the club and to report all recommendations of the club for action. Nine
expenditures in excess of $75.00 must. be approved by the quorum of the
elected officials. (a) over $100.00 by a quorum of the members. A quorum
of the membership shall consist of 50%. At least 50%. Dues are $1.00 per
year hereby established as the yearly membership dues. No person can have
membership in more than one club or centet. The Executive Board or
Directors shall refuse membership of pers6ns having a center located in
their town or surrounding area with the exception of towns in this same
county that have common boundary lines. Each center should have $500.00 in
reserve with the recommended minimum of $5.00 per person. Then there'aa
word provided question mar~. Active member isapaid membership. MembeY
belonging to at least 6 months must attend 12 meetings a year. A member
who takes their turn in serving at the center. Active members within a
club should have two paid outings or dinners per year. These special
outings or dinners must be announced at the center one month before.
Special tours. (a) must be a member of the center for at least 6 months.
Active members have priority for signing up during the first 2 weeks of the
sign up period. Then there was an add-'on. A meeting of February6,1986
chariged to read, on ability of treasury to pay part or all of the dinner
and member to pay the difference. This is because center voted to
discontinue bizarresheld semi-annually. I don't know club, centet. What
is it?
Kubitz: They probably started out as a club and wind up as a center.
Jay Johnson: They use it interchangeably.
Montgomery: Yeah, because Selda also found out that this is a Carver
County sponsored .ctivity. There were several. of them in the County and
yet Carver County did not want to take any responsibility for i.t's
financial support."
e
Heinlein: I called and I talked to a Vicky Peterson and I got very, very
little out of her for the simple reason because of the financial crunch,
she does not know whether she would be able to do anything when they decide
who's going to be on and who isn't. I kept her name and I kept her phone
number and we'll check back with her come fall and I can get some of this
information through Marilyn when the time comes you know if they have
changed or what. But I don't know. I don't know how to figure this.
Senior Commission Meeti~g
May 17, 1991 ~Page 22
.
Jay Johnson: Those sound somewhat like a generic set of where somebody
went up and set up a series of clubs/centers, like Carver County or
. something and then everybody used the same set of By-laws in establishing
it. Then over the years probably have had minor modifications. This
restriction that you can't be s member of two clubs, that doesn't.
t"lontgomery: That's kind of strange.
Jay Johnson: I think that provided writt~n down there seems to be, you're
going to maintain a $500.00 reserve. Well at $1.00 per member, where are
you going to get $500.00? .
Heinlein: That's the thing. We raised ours in Chicago. I think the last
r paid was $3.00 for a year and we paid at that time, we were paying 65
cents, 65 or 75. Well as the rolls went up because we had coffee and sweet
rolls were brought in from thebakery~ It was a standing order so if the
price of the rolls went up, you paid x amount more. And at least we
started out paying 50 cents each for a cup of coffee. Now that has been
brought up here but, because that's the only way we make money is ~n stuff,
things like that. The food is donated.
Montgomery: It sounds as if what they need to do is get their house in
order.
e
Heinlein: We do get a little money from Chanhassen I guess. Some of our
things. There's something, r don't qUite understand what they're talking
about.
St. John: Is that for the cups and the plates...that they u~e and that?
Heinlein: The cups, yeah. He turned a bill in and he could get something
for that.
St. John: Now who is that in Chanhassen that pays for that? Is that
through the Council?
AI-Jaff: I don't know. That is the first time I've heard of it.
All I heard is that he had turned the bill in and he got.
I wonder what fund it comes out of.
Heinlein: I can find out.
Jay.Johnson: It may have been th,ough Calve, County.
Montgomery: No. She was denying that and said that they should apply to
the Chanhassen Council which is what we've been saying. If they want
somethi ng .
-
AI~Jaff: Well Jay, you were on the Council for quite a while.
recall approving something?
Do you
Senior Commission Meeting
May 17, 1991 - Page 23
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Jay Johnson: We used to get a list of 300-400 checks each month thatw~
approved. Some membeys oft-he Council very diligently went through that
list and then pulled them out and said why are we paying, such as paying me
foy driving the van out to Buffalo and back~ That was scrutinized very
carefully by the Coun6il. But I was not one of those people who would
scrutinize the pennies and nickels. B~t see, they nevey came and asked for
anything.
Montgomeyy: Well exactly. That~s what w~toldthem. If they want it,
they have to list what their needs aYe.
St.John: That goes back to they were 0eyy upset when South Shore got that
money.
Jay Johnson: But South Shore was the wheel that squeaked.
Montgomery: Yeah, they asked for it.
Jay Johnson: And our Mayor at that time, ,Tom Hamilton, he said our senior
needs are fulfilled by the Cayd Club on Thursdays. Our seniors have
everything they need.
Kubi tz: That's when r. started tryi ng to do somethi ng through Jay and got
squelched.
e t10ntgomery: I thi nk if they can just realize that they can have their card
club and probably in a nice space that they would like and someplace \JJhere
they can cook if they'll help us try to get this thing going.
St. John: Still a lot of those things are available through South Shore
whichChanhassen is supporting.
Montgomery: It's not going to happen overnight.
St. John: No it isn't and as long as that is available, it should be taken
advantage of.
Hei nlei n: . . .say l.IJhy should I have to go way over there when I can do it
rIght heye in tOl.IJn? r mean that's the way I feel about it. South Shoye is
nice but it's huge as fay as I'~ concerned. '
But it certainly is filling the gap.
Jay Johnson: Oh, it's filling the gap. It also fills for the northern
residents. The folks who live along the Excelsioy bordey and stuff ltJho are
oyiented to TH 7. There aye people in Chanhassen who don't even know when
downtown Chanhassen is.
e
Heinlein: Get in the cay and dyive over theye and dyive yourself home,
that's gyeat but when you don't have that.
st. John: Well, we have a van.
Senior Commission Meeting
May 17, 1991 - Page 24
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Heinlein:
Yeah, I know.
St. John: South Shore has a van.
8ellison: It seems to me Selda too, now I've been to both and I feel there
are as many card players in Chanhasse as there is in South Shore.
Heinlein: That don't bother me t~e card playing part.
8ellison: But that's all they want to do here. They don't have that kind
of ~ turn out for card playing at South Shore do they Emma?
St. John: They have some and there's quite a few of the Chanhassenpeople
that come over there and play cards.
Jay Johnson: X went over there one day and the basement of the church, I
was over there for something else because I'm a member of the church there
and I said well, I might as well see the what the seniors are doing. I
walked into the basement and it was, most people didn't even look up from
the cards to ,notice that some young guy was walking t'hrough. I came in the
back door and everything but the basement was filled with card playing that
day.
St. John: On Mondays they have a reading club that meets down
then on Friday they have crafts and then another day they have
before lunch. A full movie.
And I think people should take advantage of it.
Heinlein:
...it isn't that. It's just the idea.
Kubitz:
. . .go over there instead of here?
Jay Johnson: See what it takes is somebody to organize it here.
get anything by saying We wish we had it. It takes somebody to organize it
and tha.t's usually somebody<that'salready overcommitted. I can spea.k
fromexper ien<;;e right there because l' mtrYing to get soccer into our youth
here,which is a sport I'm interested in and I couldn't get any of the
parents interested in organiiingfor tha young kids which I don't have. So
I'm running the soccer for the itty bitty'kids and you've got to get some
person to do that and that's what the whole senior center will do once it
gets organized. Some minor politics with the senior club is going to be a
problem.
Montgomery: I have a request for you under the transportation category.'
Why don't you look up the South Shore van and see what's available.
Heinlein: I know they say they'll pick you up for shopping or anything
like that. I just feel like I'm way over heie and.
e Montgomery: Well, that's because we don't have anything else
Jay Johnson: We,don't have much for shopping in town either.
Senior Commission Meeting
May 17, 1991 - Pa~e 25
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st. John~ Can I say something? With the centers you know, so many that's
why there are 6 villages that are supporting the South Shore because it's
not very feasible for ~ach village to have their own little center. You
can do much when you get together and do it ina big way instead of haVing
every community having their o~n.
Hel nlei n: 8ut the lI-Jay this town is growl ng, and I'm sure there's more
senior citizens around, I see more of them in that apartment building
across from me now than I have.
Montgomery: That's why we're doing the study. These are the questions
that we need answered by somebody who's less involved than we are.
Heinlein: I know! took the bus over, thisdial-a-ride...
8ellison: If we had our own center, you'd find that a lot of the seniors
would come who don't come now because I think it's kind of inconvenient in
the school.
Heinlein: Well that part yes.
BelliEon: And when we have our own, I'm sure we'll have a successful
center.
--
Heinlein:
In another 2 weeks we'll have the school to ourselves.
Montgomery: I think we should take, ohEmma. You wanted to. say something.
St. John: I was just wondering, this meeting that you had with 8en Withart
and Ja Ann Kvern. Did you get a lot of h~lpfromthem?
AI-Jaff: They said they would be more than glad to get involved in the
planning process for the city of Chanhassen. If in tbe future theY need
help even with running the center, they would be willing. We wanted their
input on how they feel if Chanhassen had a senior center and no problems
whatsoever. They support it. They offered to" help in all stages.
Montgomery: We're getting a lot of offers of help. I think that's neat.
Sharmin,didyou have some other items too under Planning Director
Discussion?
AI-Jaff: Paul wa.ntedme to let you knohl that, what we approved last month.
The reallocation of funds for the senior center and senior housing complex
study to be reallocated.
Montgomery: And that was $26,OOO.00?
AI-Jaff: Correct. That's going to be in front of the Council this Monday.
This coming Monday and most probably they will approve. Other than that.
e Montgomery: Not too much?
Senior Commission Meeting
May 17, 1991 - Page 26
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Al":Jaff: Not too much. Paul's parents came to visit from New York. They
arrived yesterday at 5:00 and he wanted to have the day off so he can spend
,it~With his parents who he sees very rarely.
Howard: Where in New York?
~l-Jaff: I don't know. Do you know Jay?
Jay Johnson: New YorkCity~
Montgomery: Well, if anybody has anything else they'd like to bting up or
should we?
Kubitz: I was reading that and this says they amended. They evidentally
started out as much more than the card club because they had semi-annual
bizarres so that's why they had $500.00 to spend.
Ai-Jaff: It has to be a non-profit organization.
Montgomery: Does it have a date on it?
Kubitz: This says they changed it in 1986 so that was before'r was even
out here.
Montgomery: It'd be nice to know the original date of it.
e Heinlein: I tried to find out that but I know some of the original ones
are still, there are still some that are members there.
St. John: Well, Dagney Aldritt at one time was the director and then ther.e
were a lot of crafts. People fuade a lot of crafts.
Heinlein: I don't know if she passed away or whoever it was passed away
and now, "'Jell t.hey're trying to get a few things going on their own.
Montgomery: It wiilbe interesting to see what develops.
Heinlein: They're going to the Dinner Theatre the 12th of June., Not
through the tour guide. We are trying~to do these on our own now. .
Montgomery: You kno"'J, what is his name from the County. I'm sorry,
r can't think of it, who offered with planning for trips and things. He
was here. No, from Chanhassen.
Al-Jaff: Oh, Todd Gerhardt. r mean Todd Hoffman.
Montgomery: Todd Hoffman, right. That's another person they might want to
contact because he offered help with planning outings.
AI-Jaff: Jerry Ruegemer also.
e
Hoffman: That's part of their assigned. job is to provide outings for the
citizens.
Senior Commission Meet~ng
MaY17~ 1991 ~ Page 27
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~1ontgomery:
He can do the work that nobody wants to do.
St. John: Can I insert here about do they ever say anything about the
tr ips that South Shore has that a)"e available?
Heinlein: Well a lot of them go. I don't know what trip was yesterday.
They went somewhere yesterday.
8ellison: Do you get that little pamphlet that's sent out from South
Shore?
Heinlein: Oh, I get it every month.
8ellison: They tell...
Heinlein: I don't know what there was. There was something yesterday
because.
St. John: Was it one to St. Cloud?
Heinlein: There were oh I don't kno~,
1 don't know how many. They must have
that scratch, there were 2 or 3. Then
w00ndup with...has been coming back.
the other knee. This one isn't healing
that we finally wound up playing.
a great group that wasn't there.
put. the table that normally plays
2 of.them went and played 500 and we
She still has to undergo surgery for
very well and so there was 6 of us
e
t10ntgomery: Sounds Ii ke they're realTy.
St. John: I haven't been there for ~ while...company and that and I'd
better get there or they'll scratch my name off. .
Heinlein Then what is her name, Koehnen? And one of the Kerbers served
and they made little appetiser sandwiches which were real good and olives
and they really did it UP...
8ellison moved, Howardseconded.~o adjourri the meeting. All voted in
and the motion car~ied. The meeting was adjourned at 11=00 a.m..
Montgomery: Would anybody like to make a. motion?
Submitted by Paul Krauss
planning Director
Prepared by Nann Opheim
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