Frederick: It will do the Timberwolves good to play some better teams

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The contrast is jarring. Against teams with losing records, Minnesota is 10-0 to open the season. Against winning teams? 0-6, the latest a mindboggling loss Friday in Phoenix.

Minnesota has one more cupcake on deck — a bout Monday in Sacramento against a Kings team the Wolves already have handled twice in this young season. And, this time, Sacramento will be without star big man Domantas Sabonis.

After that, the two only true potential laughers for the Wolves between now and Christmas are a pair of games at two-win New Orleans in early December.

That’s for the best for these Timberwolves. Yes, they’ve handled business against the League’s cellar dwellers — far more so than they have in other recent seasons. Minnesota is housing the NBA’s worst teams on a consistent basis. But little from those wins is translating to games against stiffer competition.

The ball pressure did. Minnesota was stiff enough defensively to force 28 turnovers Friday. At the same time, Phoenix took advantage of Minnesota’s propensity to overhelp and rotate poorly on that end, which allowed the Suns to generate a number of open looks. Phoenix shot 48% from the field, including 45% from distance.

That’s not a weakness that gets stressed by bad teams, which often struggle to even execute one action within a possession, let alone the two or three that can truly try a defense’s communication and effort.

On the other end, Minnesota’s ball movement — which has been excellent at times this season — dried up. The Wolves again resorted to the isolation-based attack that works great when the opponent doesn’t have defenders capable of keeping the ball in front of them, and quite poorly when they do.

The Wolves had just 18 assists on Friday, and only 39 potential assists — the lowest number across the NBA that evening.

Minnesota has mastered ball movement and quick decision making when there’s no opposing resistance, but quickly devolves into old, bad habits when the other team practices ball contain. That was evident against Portland and Phoenix, and in the second halves of each of its losses to Denver.

Those are problems that will require reps to remedy, and they can only come against teams that repeatedly test your deficiencies.

The Timberwolves should get those over the course of the next month, starting with Wednesday’s game in Oklahoma City — a must-win if Minnesota wants to reach the knockout round of the NBA Cup. Friday’s game against Phoenix will better prepare the Timberwolves for that affair.

It was clear Minnesota was a step slow in Friday’s first half. It took the Wolves 24 minutes of basketball to seemingly remember the effort and intention required to punch in the NBA’s upper-weight classes and muster it up themselves. Repeated looks at that standard should allow Minnesota more easily summon it at the outset of games.

Iron sharpens iron? Cupcakes certainly don’t.

Perhaps the Wolves will lose a few more games over the next month, but they’re also likely to emerge from it a team capable of more seriously contending in the West.

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Gophers cough up lead in 38-35 loss to Northwestern

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CHICAGO — Gopher fans at Wrigley Field could not sing their hearts out during a rendition of “Take Me Out to the Ballgame” before the start of the fourth quarter on Saturday. Northwestern was in the middle of scoring 22 unanswered points to take a 34-28 lead early in the fourth quarter.

Minnesota quarterback Drake Lindsey threw his fourth touchdown pass of the game to make it 35-35 with eight minutes left in the game, but Minnesota’s defense allowed Northwestern to continue to gain more that 500 yards of offense and convert on more than 50% of third downs.

Northwestern kicker Jack Olsen made a 33-yard field goal to win it 38-35 with 53 seconds left.

Minnesota’s last minute drive set up a 40-yard field goal attempt from Brady Denaburg, but he missed wide left on the last play of the game.

The Gophers (6-5, 4-4 Big Ten) fell to 0-5 on the road this season. The Wildcats (6-5, 4-4) reached bowl eligibility and won for the first time at Wrigley Field (1-7).

The Gophers’ defense was without its top tackler, linebacker Devon Williams, and key cornerback John Nestor, on Saturday. They allowed 525 yards and 58 percent conversions on third down.

The Gophers struck out looking in Saturday’s first quarter.  Northwestern had 150 total yards and 10 points in the first quarter, while Minnesota had five measly yards and zero points. But the Gophers’ kickoff return unit set up Koi Perich’s 93-yard scamper to the Wildcat’s 5-yard line. A home run-type play.

“Holy Cow!” as the legendary, late Cubs announcer Harry Caray used to say for games at the Friendly Confines.

With that special teams jolt, Minnesota was off and running and outscored Northwestern 21-3 in the second quarter. With After Northwestern’s muffed punt early in the second half,  Drake Lindsey and Javon Tracy connected on their third touchdown to make it 28-13.

The beginning of Saturday’s game had a handful of similarities to the 42-13 loss at Oregon last Friday. First, Northwestern running back Caleb Komolafe ran untouched for 40 yards on a 46-yard touchdown drive on the opening drive. Then Minnesota went three and out on its opening series. It was similar to the start of the Ducks game, and, frankly, all games against FBS competition this year. The U has nine punts and one field goal this season in first quarters this season.

The Wildcats put together a 15-play drive to extend their lead to 10-0 with a 34-yard field goal.

On the ensuing kick return, Perich’s explosive play was his longest since a 56-yarder against Rutgers in September. Minnesota scored four plays later with Darius Taylor taking a toss in from the half-yard line.

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Q&A: St. Paul Police Chief Axel Henry, halfway through his term as ‘factory floor chief’

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St. Paul Police Chief Axel Henry speaks at a news conference announcing an arrest in the murder of Michael Brasel, who was shot by a teen Brasel caught rummaging through his wife’s car. Henry has completed half his six-year term as chief of police and seen murder rates fall significantly in the past year. (John Autey / Pioneer Press)

Axel Henry became St. Paul’s police chief when the murder rate was high for the city and the department was understaffed.

Halfway into his six-year term, violence is down more significantly than what’s been seen nationally. Henry credits a major part of that to the department’s new focused effort on solving nonfatal shootings.

Hiring still hasn’t kept up with the pace of retirements and departures, though the police department has recently held academies twice a year to try to address that.

Henry, a St. Paul officer since 1998, followed in the footsteps of his predecessors by rising through the department’s ranks. Before he was appointed chief by Mayor Melvin Carter, he was commander of the narcotics and human trafficking unit.

The St. Paul city charter says police chiefs serve six-year terms, so new mayors often inherit a current police chief. State Rep. Kaohly Her, elected mayor this month over Carter, said she and Henry have “had a great working relationship.”

When federal agents descended on a St. Paul warehouse this week during an immigration raid, in which they arrested 14 workers, people were scrambling for information. St. Paul police officers were not involved in the operation.

“I appreciated the clear, direct communication this week around immigration action,” Her said in a statement about Henry. “His steady hand ensured we were operating on facts, not assumptions.”

For patrol officers, Henry’s time as chief has meant they’re feeling “more supported,” said Mark Ross, St. Paul Police Federation president.

Ross and Henry both say more still needs to be done to increase hiring. The department has recently held academies — how the department brings officers on board — twice a year instead of annually to try to keep prospective officers from getting recruited away by another law enforcement agency while waiting for St. Paul.

Henry sat down with the Pioneer Press for an interview about his first three years as chief and what he still wants to accomplish. This interview has been edited for space and clarity.

Q: What’s been the reality of what you wanted to do and what you’ve been able to?

A: I’m very proud of what we’ve been able to do around gun violence. Of course, it’s not just reducing it for the moment. You have to reduce it again the next year and the next year.

The number of murders really does drive a lot of perceptions. If you’re doing all the other public safety things right, your murder number goes down. (There had been 11 homicides in St. Paul this year as of Friday; there were 29 in the city during the same period last year. The department continues to have a high rate of solving homicides.)

But some of what I thought we were going to be able to tackle, like a lot of the issues with quality of life downtown, have not gone the way I thought they would. That’s not all on the police department, but I’m a part of that equation.

Q: How have you approached violent crime?

A: One of the things the mayor asked me about right away was, “How do we get this murder rate down?” If you look at the 20-year average, these last six years of murders of 30 or more a year were way too high, but they became the norm.

I always tell people: The data doesn’t tell you what to do. It tells you where to look, and that tells you how to find the solution to a problem.

The mayor said, “How quickly do you think you could bring that down?” I said, “The murder number isn’t a number you can just push down. You have to push down on a bunch of other things.”

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If you do a better job on domestic violence calls, it drives it down. If you get more guns off the street, if you deal with group violence so they’re not fighting as much, that brings it down. You do a better job of comprehensive investigations and solving nonfatal shootings.

The mayor said, “How long do you think it would take for that to actually happen?” I said, “I know what other levers to push, or at least I believe I do, and if I’m right, it’ll take about 24 to 36 months.” We’re literally right there.

(The department’s nonfatal shooting unit started in January 2024. There were 63 nonfatal shootings in St. Paul as of Monday, compared with 95 in the same timeframe last year. The clearance rate for such cases was 37 in 2023 and increased to 69 percent last year.)

One of the things that I think really is marbled into every piece of our success is morale.

Q: What’s the link between success and morale?

A: I always joke with (previous St. Paul police chief) Todd Axtell that he gets a heavyweight belt. Within the first weeks of his term, Philando Castile happened (he was fatally shot by a St. Anthony police officer in Falcon Heights). Then COVID, and George Floyd.

St. Paul Police Chief Axel Henry speaks during a dedication ceremony renaming the St. Paul Police Department Eastern District station in honor of slain St. Paul police officer Ron Ryan Jr. on Aug. 26, 2024. Ryan and fellow officer Tim Jones, along with Jones’ K9 partner Laser, were killed in the line of duty on Aug. 26, 1994. Mayor Melvin Carter is at right. Henry was promoted to chief at a time he described as a “dark period in law enforcement.” (John Autey / Pioneer Press)

We were coming out of a dark period in law enforcement when I became chief. I think the cops, understandably so, were feeling like they were hated.

That was part of the reason why I told the mayor when I applied for this job that I think the city needs a factory floor chief now: Someone that’s way more connected to the police officers. They deserve a leader internally. We focus so much on this job as a leadership position out in the community, but at the end of the day, you’re still in charge of leading the department.

The message of “service with purpose” and “what you do matters” has been the drum that I’ve been beating since before I was the chief.

Q: Some police chiefs I’ve talked to keep a photo in their drawer or their wallet of a victim in an unsolved case that weighs on them. Do you have anything like that?

A: I have something like that, too (pointing toward his bookcase, where a small piece of paper is taped, with a name he wrote on it — Bao Yang). That happened before I was the chief.

She had a restraining order and her ex-boyfriend set off all the alarm bells. She finally got away from her abusive partner and he shot and killed her in her front yard. She was a nurse and doing wonderful things.

I always look at her name and it reminds me why we’re out here and that, if you do it right, you can prevent these things from happening.

Q: You’ve talked about decreasing retaliatory violence. How have you done that?

A: If a young person gets killed in gun violence, then it’s like a cliche that someone’s going to show up at the funeral and shoot it up. If it’s predictable, it’s preventable.

Forever, before I was the chief, we would go out there in unmarked cars and try to watch and make sure that those things weren’t happening. We caught someone running on the West Side during a memorial for the student that was killed at Harding (High School). That’s another case that is going to be stuck in my mind forever.

The person we caught during the memorial had an extended magazine and a gun with a switch, and the mayor said, “How did you guys catch him so fast?” I said, “Cops were out there. Not in marked cars. We can’t do that because the community gets mad at us.”

The mayor said, “Would you be willing to put marked cars out there?” Now, if we have a funeral that was due to gun violence, you’ll see cops out there in marked cars, in uniform, and it’s been a deterrence.

Q: What’s an example of change that’s taken longer than you expected?

A: The ordinance issue is probably my highest frustration. There are some ordinances we have that are clearly antiquated and are just no longer enforceable, and the city doesn’t enforce them, so they shouldn’t be on the books anymore.

I think the community can come together and decide, “What are the problems that ail us that we have an issue with? There’s probably a legal way to enforce that.” We should either write a new ordinance or tweak the one we have to make sure that it’s addressing the problems.

We should be doing that, particularly downtown, on some of these lower-level issues that really drive a lot of the bigger problems that we have. And for sure, they drive the perception of safety in the city.

We can all be empathetic towards the plight of the folks that are unsheltered, the drug problem and the mental illness issues people are dealing with. But we can’t do that at the expense of our businesses that have been leaving and now we’ve got buildings that are vacant downtown, and that’s really the financial tax engine for our city.

Q: The department was below staff when you came in. Has it rebounded?

A: We’ve been in the middle of a big retirement boom and we haven’t been able to get enough people in the academies to make up the difference. (Authorized strength is currently 616 officers. There are 559 officers with 537 able to work, and the remainder on military, disability or other leave.)

This year, we’ll potentially be up between academy graduates and retirements. This is a classic example of how this is an aircraft carrier, not a jet ski. You can’t turn it around at a moment’s notice.

Part of what I figured out very quickly as the chief was it wasn’t enough to talk about recruitment and retention. You had to add development in there. You’ve got to be getting your people opportunities to go to the best trainings, to develop your own trainings.

Q: How have you done that?

A: An example is the International Association of Chiefs of Police conference. It’s normal for the chief and deputy chiefs to go. The first year, I asked, “Who’s been there?” And five people raised their hand. Then, “Who here wants to go?” And every other hand went up. I thought, instead of me going every year, we’ll let other people go.

One of the first questions I asked was, “When was the last time St. Paul hosted a command school?” It was 2005. We’re hosting one now (Northwestern University in Evanston, Ill., put on the intensive leadership program at the St. Paul police training facility and graduation was Friday). We were able to send four people because we received two spots for hosting.

Q: You said you’ve talked to Mayor-elect Her?

A: I’ve known her because she’s been a state representative. I will tell you, she brought me egg rolls today (Wednesday). I’ve never had anybody do that.

She said, “I know yesterday (when there was an ICE raid) was a tough day, and you got your phone blown up by all kinds of people with, ‘What’s going on?’ even though your department wasn’t there.” That was such a nice, thoughtful thing. The staff here, they were blown away by it.

She has been nothing but supportive of me. The first conversation we had, I was clear in saying, “I’m never going to argue with you publicly if we have a disagreement,” which was the same with Mayor Carter. She has said very openly that she doesn’t want to surround herself with “Yes” people.

Another thing I told the current mayor when I applied for this job was, “I will never lie to you, which means I can make you a second promise.” He said, “What’s that?” I said, “You won’t always like what I tell you.”

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Q: What else do you want people to know about you and the department?

A: There’s an old joke in my line of work that the two things that cops hate are change and the way things are.

I tell this to people all the time: I will never really know if I did a good job until after I’m gone because if the whole thing falls apart or they reverse every decision I ever made, then you’re going to think, “Apparently that was all terrible.”

It is intimidating to take on this job because St. Paul has done many things so well that it’s almost easier if someone hands you a broken-down jalopy and says, “Fix it,” but we’re not that.

Your Money: Holiday spending without the guilt

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Bruce Helmer and Peg Webb

After several years of stubborn inflation and steep borrowing costs, this holiday season finds many families determined to celebrate — but quietly worried about how much they’re spending.

With the average American planning to shell out roughly $1,700 on gifts, travel, and entertaining this year (up from about $1,430 in 2022) those worries are understandable.

Furthermore, tariffs have already raised prices by an average of 5%, according to the Harvard Business School Pricing Lab’s analysis of more than 350,000 goods. Ultimately, companies pass along their increased costs to consumers. Frequent holiday staples like toys, electronics and clothing are some of the products most impacted by tariffs, with costs increasing as much as 35% in some categories.

Even for people who manage to stay within budget, six in 10 shoppers later regret at least some of their purchases, especially parents with young children who often overspend to make the season “perfect.”

That buyer’s remorse doesn’t only come from an empty wallet. It also comes from guilt: the uneasy sense that we’ve spent too much, or on the wrong things, or for the wrong reasons. The good news is that a few simple mindset shifts and habits can help you celebrate generously without feeling financial regret come January.

Start with joy, not numbers

Financial advisers usually tell clients to keep emotion out of money decisions. The holidays are the exception. Budgeting by emotion and buying what truly brings joy to the recipient can be more effective than budgeting by category.

Start by making a “joy-per-dollar” list. Which purchases last year made you happiest? Which ones barely registered once the wrapping paper hit the recycling bin? Cut the low-joy categories first. Then pre-commit an overall number for generosity (covering gifts, charitable donations, and gatherings) and say it out loud to a partner or friend. This small act of accountability helps keep your plan real.

Use a cap that fights spending creep

A common rule of thumb is to keep total holiday spending within 1-2% of annual income, but you should pick the level that’s right for you. Translating that limit into weekly mini-budgets between now and New Year’s can prevent that “just-one-more-gift” mentality. The idea isn’t to cut out celebration, but to contain it, so you can enjoy the season without regretting overspending.

Buy early, buy fewer, buy better

Inflation may have eased, but prices on many goods remain higher than pre-pandemic levels. Stretch your dollars by shopping early and intentionally. Prioritize one meaningful gift per person rather than a pile of filler gifts. If you’re traveling or hosting, fold those costs such as gas, airfare, hotels and food into your holiday plan from the start instead of treating them as extras.

Whenever possible, choose experiences over material goods: a family concert, a cooking class, or tickets to a local attraction. These memories often outlast items. And if you can, shop local and purchase items that reflect your values. Spending that aligns with your principles will ultimately feel more rewarding in the long run.

Cards, cash, and ‘buy now, pay later’

Today’s average credit card interest rate is roughly 21%, meaning every impulse swipe of your card can quickly become expensive. If you tend to carry a balance, consider using a debit card or a prepaid spending account for gifts. Turn on real-time spending alerts in your mobile banking app; this can serve as a modern substitute for the old cash-envelope system.

And be cautious with “buy now, pay later” (BNPL) plans. Surveys show nearly half of BNPL users regret at least one purchase. If you do use one, limit yourself to a single BNPL loan at a time and set calendar reminders for each payment.

Three quick ways to curb impulse buying

• Apply the 48-hour rule. Leave online items in your cart for two days; if you still want them after 48 hours, clink “checkout.”

• Say no to instant-discount store cards. Their teaser offers often come with higher interest rates.

• Unsubscribe and mute. Reducing promotional emails and retail app notifications can help you stick to your list.

When you’ve already overspent

If the damage is done, don’t panic, just prioritize. Pay down the highest-rate balances first. Return unopened items or exchange them for shared experiences instead. Then automate payments above the minimum to ensure progress. A short-term balance-transfer card can help, but only if you’re confident you can clear the debt before the low-interest window closes.

Focus on gratitude, not guilt

Ultimately, guilt fades when your plan matches your values. Give yourself permission to celebrate wisely. The holidays are about connection, not perfection, and about sharing what matters most, not what costs the most.

A little planning, a little perspective, and a lot of gratitude can turn this year’s spending season into one you’ll remember fondly, not fretfully. And that’s a gift worth keeping.

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The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Bruce Helmer and Peg Webb are financial advisers at Wealth Enhancement Group and co-hosts of “Your Money” on WCCO 830 AM on Sunday mornings. Email Bruce and Peg at yourmoney@wealthenhancement.com. Advisory services offered through Wealth Enhancement Advisory Services LLC, a registered investment adviser and affiliate of Wealth Enhancement Group.