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November 22, 2012     Tri-County News
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November 22, 2012
 

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Thursday, November 22, 2012 Tri-County News • Central Minn. JB Liquor celebrates 25 th anniversary By lean Doran Matua, Editor John Bolvin was born and raised in Rhode Island. He lived in for awhile Washington, D.C., and Virginia, and in California; he served in the Naval Air Force, serving six months in Vietnam. He returned to the D.C. area. Jobs were hard to come by, though, and he decided to head west for work. His choice was either Cleveland or Minneapolis. He knew Duane Becker (from Wat- kins) from the service, so he came to Minneapolis. Cleveland's loss was our gain. For years, John was the national representative for Pako. He trav- elled a lot, selling printing equip- me'nt. When his son Michael was bork, in the early 1980s, he decided it was time to stop traveling. The family had a lake house near South Haven, and by the mid-1980s they had sold their home in the Cities and moved to the lake home for good. In 1987, John decided to try something new. He bought the land and built JB Liquor. In Jan- uary 2004, they added on to the building, nearly doubling the size. Three of John's four children have worked in the store over the years: Mike, Michelle and Melissa. (Mark is the one missing here.) John's wife ]ackie does the book work at home. Melissa works full-time there now, as manager. She also attends St. Cloud State University, study- ing criminal justice. She expects to graduate this spring, and hopes to find work in probation and chemi- cal dependency counseling. When she does find a job in her career field, John will need to find a new manager. It may be a contest to see which is harder to fill, a new job for Melissa or a new manager for JB Liquor. Besides Melissa and Jackie, IB Liquor has four part-time employ- ees. John describes himself as "semi-retired," working part-time, mostly in the mornings. "I'm gonna keep working as long as I can," John says, adding "We'll see what happens when the time comes [to find a replacement for Melissa]." John enjoys playing at golf and, as Melissa says, he pretends to fish. A large part of his life now is serv- ing in the POW/MIA Honor Guard through the Wat-Kim-Valley V.F.W. This year marks the 25th year the group has marched together, at various local parades and events. ( )mmunity inHinll,ll I Melissa and John Bolvin today, in front of their expanded store on Maus Drive in Kimball. Staff photos by Jean Doran Matua. Then-mayor Oscar Theis helped the newly-opened JB Liquor draw winners from their grand opening. Jackie and John Bolvin are pictured here. Melissa is in the photo as well, although not yet visible (Jackie was expecting with her at the time). Monday this week, they partic- ipated in the Maple Lake V.F.W. Veterans Day program. Just about any local parade, you'll see John proudly marching with the Honor Guard. The local POW/MIA Honor Guard in the Kraut 'N Wurst parade this summer. John is on the far right. IIInrlll I iiiiii I Page 7 Important property tax notice This will affect the amount of property tax paid in 2013, and may affect eligibility for a property tax refund Property owners in Stearns County that need a homestead classification have until Monday, Dec. 17, 2012, to file the applica- tion. Contact the County Assessor at (320) 656-3680, or stop in their office to file a homestead applica- tion if one of the following applies: • A property was purchased in the past year and the owner, or a qualifying relative, occupy the property for homestead purposes on Dec. 1, 2012; or • The property owner or a qual- ifying relative occupies a prop- erty for homestead purposes on Dec. 1, 2012, and the property was previously classified as non- homestead. A qualifying relative for home- stead purposes depends on the type of property. For residential property it can be a parent, step- parent, child, stepchild, grand- parent, grandchild, brother, sister, uncle, aunt, nephew or niece of the owner. This relationship may be by blood or marriage. For agri- cultural property, a qualifying rel- ative can be a child, grandchild, sibling or parent of the owner, or of the spouse of the owner. The Stearns County Assessor must also be contacted by Dec. 17, 2012, by the property owner or a qualifying relative of the property owner if the use of the property has changed during the past year. If the property owner should sell, move, or for any reason no longer qualify for the homestead classification, they are required to notify the county assessor within 30 days of the change in home- stead status. Failure to notify the County Assessor within this 30-day period is punishable by recalculation of tax as non-home- stead, in addition to a penalty equal to 100 percent of the home- stead benefits. Budgeting for the holidays: Smart spending for the season The countdown to the holi- day season has officially begun with decorations on store shelves and gift catalogs filling mail- boxes. A recent study by the Con- sumer Electronics Association shows that individual consumers plan to spend $1,634 overall this holiday, up 11 percent from last year. Unfortunately, much of that spending will be done on credit cards. That may make consum- ers feel gloomywhen they get their bills in January. "Smarter money management" is a common New Year's resolu- tion for many people. So why not get a jump on things now and bud- get and spend wisely this holi- day season? People often go off the financial rails when the hol- idays roll around, says the Min- nesota Society of Certified Public Accountants (MNCPA). Develop- ing a spending plan and sticking to it can help keep you on track and keep you from drowning in post- holiday debt. Tips for holiday financial happiness • Create a spending plan. What can you realistically afford to spend? Decide whom you will buy gifts for this year and how much you will spend on each person. Then stick to your plan. • Categorize your spending plan. Your holiday spending plan shouldn't just include gifts. Don't forget to account for all of the "accessories" that accompany the holiday gifts, like wrapping paper, bows and tape. Doing some enter- taining this year? Then be sure to budget for party clothes, decorat- ing, food and beverages. Travel- ing to see family? Airfares, gaso- line, hotels and meals should all be included in your holiday bud- get plan. Don't forget a category for any charitable giving you usu- ally do as well. Holiday cards and postage are also often overlooked as part of the budgeting process. • Avoid impulse buys. Try to do some research about when and where to buy the gifts on your list at the best price. Store flyers and door-buster sales can offer big savings if you're willing to do the legwork to find the deals. "Cyber Monday," the first Monday fol- lowing Thanksgiving, is a big day for Internet specials. Plan to start your shopping early so you don't feel pressured to grab something at the last minute that will ulti- mately blow your budget. • Keep track of spending. Little items here and there can tip your holiday budget out of the black and into the red. Keep track as you buy to ensure you always know how much you have left to spend. And definitely keep those receipts in case a gift recipient needs to make a return or exchange. If you find yourself going over your limit, fig- ure out where you can cut back to make up the difference. • Think outside the gift- wrapped box. Talk to your loved ones about establishing traditions in which the focus is on spend- ing time together, not spending money. • Make gifts for each other • Attend a cultural event • Volunteer together • Draw names for a gift exchange instead of buying gifts for everyone • Pool funds and make a dona- tion to a charity you all support • Plan a cookie exchange • Host a potluck dinner instead of an expensive sit-down meal • Plan how you'll pay. Ideally, create your budget and stick to it. Pay with cash or a debit card. Aver- age purchases using cash/debit cards are about 15 percent less than credit card purchases. But if you're like many people who want to stack up air miles or points on your credit card, be sure you can pay off the bill when it arrives in January. Pay on time and in full to avoid finance charges, late fees and exorbitant interest rates. • Use holiday budgeting as a teachable moment for your chil- dren. Include the children in the planning so they learn to pri- oritize expenditures, evaluate options rationally and have buy- in on major purchases and chari- table-giving selections. Smart planning for happy holidays Don't let overspending take the cheer out of your holidays, says the Minnesota Society of Certi- fied Public Accountants (MNCPA). Creating a spending plan and sticking to it can help you start and end the holidays on a happy note. That way, you'll start the new year feeling confident and in control of your finances. Your certified public accountant (CPA) can help Planning for the holidays can be stressful, especially when it comes to money matters. A year-end meeting with your CPA can help you end the year in the best finan- cial position possible and enter the new one feeling as fiscally secure as you can. Don't have a CPA? Visit mncpa.org/referral to locate one in your area. You can also visit the MNCPA website at mncpa.org, for great personal financial planning advice and tips. Additional resources: Center for Responsible Lend- ing: www.responsiblelending.org. Consumer Reports: www. Consumerreports.org. Columnist MicheUe Singletary of the Washington Post - Personal finance advice on real-life issues: www. WashingtonPost.com. Charity Navigator: www. charitynavigator.org. NEED HELP? CALL US! We'll Get You Connected To Services In Your Community. Line" 1-800-333-2433 A One Stop Shop for Minnesota Seniors www.MinnesotaHelp.info ฎ