Next month, Mahtomedi’s school district is asking its voters to approve proposals to fund efforts to keep class sizes low, maintain staff and academic programs as well as increase security, among other things.

Meanwhile, the Rosemount-Apple Valley-Eagan school district is seeking to renew and increase a technology capital projects levy to fund and support student learning devices, digital tools and cybersecurity programs. The Lakeville district also is seeking to renew an expiring capital projects levy to pay for technology such as projectors and TVs, cybersecurity systems and equipment, and software for K-12 STEM education.

These are just a few of the school levies on the ballot for voters in districts in Ramsey, Washington and Dakota counties on Nov. 4. For more information on the local elections and to find links about how to vote, go to twincities.com/2025/10/16/election-guide-dakota-ramsey-washington-races-ballot-questions.

In St. Paul, voters will decide on a levy that would raise $37 million annually for 10 years for St. Paul Public Schools, adjusted each year for inflation. The Pioneer Press will have a separate story on St. Paul’s referendum in the coming days.

Here’s a rundown of the rest of the district proposals on the ballot this year in the three counties:

Mahtomedi

Voters in the Mahtomedi school district are being asked to approve two ballot questions.

Question 1 asks taxpayers to increase the school district’s existing operating levy of $1,570 per student to a larger levy of $2,145 per student. The additional $575 per pupil, which would start in the 2026-27 school year, will help maintain class sizes, sustain academic programming and strengthen financial stability, said Superintendent Barbara Duffrin.

Without the operating levy, class sizes will rise, academic programs will be cut and staff reductions will be necessary, Duffrin said.

The second question asks for $28 million to fund improvements that Duffrin said will benefit safety and security, academics, performing arts and athletics. Among the improvements: a new front entrance at Mahtomedi Middle School and other safety and security improvements.

Mahtomedi High School would get a “hallway circulation” remodel, choir and band classroom improvements, new mechanicals, a weight room addition and safety and security improvements. Athletic Field 1 would get new turf and lights.

At the top of the list of athletic improvements is making Athletic Field 1 a turf field. It is the district’s most-used field – for soccer, lacrosse and middle school physical education classes – but it is difficult to maintain because of overuse and irrigation challenges, Duffrin said.

Twelve of the district’s fields are irrigated by a well system that pulls from the White Bear Lake aquifer, and district officials are not allowed to increase the district’s set water limit due to the White Bear Lake water levels, she said.

If approved, the new field turf and lights would impact multiple sports, including soccer, lacrosse, football and softball, and both high school and community association groups, according to Duffin.

The funding also would pay for safety and security improvements to Wildwood and O.H. Anderson elementary schools and disability access and seating improvements at the Chautauqua Fine Arts Center, among other projects.

Passage of the second ballot question is contingent upon passage of the first, Duffrin said.

The tax impact will be $200 a year, or $16.66 per month, for Question 1 (operating revenue) and $182 a year, or $15.16 per month, for Question 2 (facility improvements), based on a house valued at $500,000, the average price of a home in the district, according to district estimates.

If both measures are approved, property taxes on a $500,000 house would rise about $382 a year.

The Mahtomedi School Board last went out for a referendum in 2018; that measure, which raised the per-pupil levy, was approved by 55 percent of voters.

For more information, go to mahtomedi.k12.mn.us/o/msd/page/elections.

Mounds View

Voters in Mounds View will be asked to vote on a capital project levy that would generate about $10 million per year for 10 years.

If approved, the levy would provide funds for the purchase and installation of building security equipment, software and technology equipment, technology support and maintenance costs, training staff in the use of technology, and the purchase of classroom equipment and instructional technology.

Mounds View Public Schools does not currently have a capital project levy, but voters in 2019 approved combining two operating levies into one 10-year levy. That levy maintains current class sizes and programming in schools, according to the district.

Owners of a $364,400 median-value home in the area would see their property taxes increase about $18 per month if the levy passes.

Should the levy not pass, the district projects competing funding coming from the general operating budget will lead to outdated security systems, older devices and limited technology support.

For more information and a tax calculator for homeowners, go to mvpschools.org/about/news/saferschools.

Roseville

Roseville Area Schools is asking voters to approve a capital projects levy for technology. The funding would pay for updating school security as well as cybersecurity while providing students with access to technology tools for learning and teaching, according to the district.

The owner of a median-priced home in the district — $350,000 — would see an increased tax of about $18 per month. Should voters approve the levy, they will notice the tax impact in 2026, with funds available to the school district for the 2026-27 year, according to the district.

Should the levy not pass, district officials say increasing technology costs will continue to come from the district’s general fund, which they say will take money from teachers, classrooms, transportation, supplies and sources.

For more information and to use a tax calculator to find out how much you would pay in additional taxes, go to www.isd623.org/levy2025.

North St. Paul-Maplewood-Oakdale

Voters in the North St. Paul-Maplewood-Oakdale school district will have two ballot questions. One will ask them to vote on revoking the district’s existing operating levy that provides $206.83 per pupil and replace it with a new levy authorization that would provide $1,152.83, or $946 more, per student annually for 10 years.

The levy will pay for items such as teachers and staff, bus transportation, textbooks, technology, and security such as secure entrances, alarms, cameras and electronic notification systems, according to the district.

Owners of a $300,000 home in the area would see their property taxes increase about $22 per month if the proposal passes.

Should the levy not pass, the district projects further reductions in staff and to student programs. The district has made more than $11 million in budget cuts over the past two years due to state and local funding not keeping up with inflation, underfunded and unfunded mandates and changing roles of schools, according to the district.

The second question asks voters to vote on a capital project levy that would generate about $2 million per year for 10 years to maintain and improve security and technology systems, according to the district.

If approved, the levy would support district security and technology, which includes secure entrances, digital curriculum and technology staff, according to the district. Currently, funds for those areas come from the district’s operating budget.

Owners of a $300,000 home in the area would see their property taxes increase about $4 per month if the levy passes.

Should the levy not pass, funding for safety and learning technology will continue to come from the district’s general fund, resulting in further staff and programming cuts, according to the district.

For more information, go to isd622.org/about/levy-2025.

Farmington

Voters in Farmington will be asked to vote on an operating levy that would provide $1,237 per student annually, generating about $8 million per year for 10 years.

If approved, the levy would sustain current class sizes, maintain literacy and math instruction, strengthen elementary enrichment opportunities and expand middle and high school career pathway options, according to the district.

Owners of a median-value $350,000 home in the area would see their property taxes increase about $534 annually, or $45 per month, if the levy passes.

Should the levy not pass, the district projects fewer electives, cuts to athletics, activities and music and class sizes are expected to increase across all grade levels. Other potential changes could include moving to a four-day school week or closing an elementary school, per the district.

For more information, go to farmington.k12.mn.us/referendum/.

Rosemount-Apple Valley-Eagan

Rosemount-Apple Valley-Eagan voters will be asked to renew and increase an expiring technology capital projects levy next month.

First approved in 2015 for 3.015%, the district is asking voters to renew and increase the levy to 5.015%, which would generate an additional $6.4 million annually, resulting in about $15.5 million annually in technology funding for the next 10 years.

The technology levy directly supports classroom instruction by funding student learning devices, digital tools, cybersecurity, communications systems, computer science education and career and technical education, according to the district.

If approved, homeowners with an estimated market-value home of $400,000 would see their annual property taxes increase by about $85, or $7 per month.

If the levy fails, an estimated $9.1 million in funding would be cut.

“Since the internet, technology and cybersecurity threats are not going away, any budget cuts would have to come from other areas — staff and programs,” said Janet Swiecichowski, communications director for the district, in an email. Swiecichowski added that the process to identify budget cuts would engage staff, students and families.

For more information, go to district196.org/about/techlevy2025.

Lakeville

Lakeville Area Schools will ask voters to renew an expiring capital projects levy that was first passed in 2015.

If approved, the levy would continue to generate roughly $4 million annually for 10 years for education technology like projectors and TVs, cybersecurity systems and equipment and software for K-12 STEM education and career-focused courses for high school students, according to the district. There would be no tax increase.

If the levy renewal fails, the district would need to cut $4 million from the annual budget beginning with the 2026-27 school year.

The potential budget cuts could result in reduced physical security and cybersecurity, fewer opportunities and elective courses for students and reductions to department budgets and support staff positions.

For more information, go to isd194.org/district/levy-renewal.

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Bruce Helmer and Peg Webb

Many Americans steer clear of the uneasy feeling that can arise from checking their financial accounts. According to new research from Wealth Enhancement, nearly half of Americans act on that impulse.

Forty-four percent of respondents in the firm’s Mood & Money survey said they’ve avoided checking a financial account in the past year because doing so felt too stressful.

That number uncovers a deeper truth: Our finances aren’t just about dollars and cents. They’ve become emotional terrain, tied to identity, self-worth, and our sense of control over the future.

The survey, which explored how emotions shape financial decision-making, found that 61% of Americans feel stressed about money, and more than four in 10 say that stress has increased over the past year. Rising living costs were cited most often (55%), followed by housing expenses (42%) and medical bills (26%). Nearly half of respondents said they feel anxious or frustrated about money, and more than a third said their financial situation affects how they see themselves.

Emotions can drive poor decisions

The connection between money and mood isn’t new, but Wealth Enhancement’s findings show how deeply intertwined they’ve become. When people feel anxious or sad, 39% admit they spend money to feel better. This is usually a short-term fix that often leads to more stress. Others cope by avoidance, delaying financial decisions, or ignoring accounts altogether. Only 17% said they feel completely in control of their financial future.

This isn’t about intelligence or discipline. Behavioral finance research shows that human brains are wired for short-term comfort, not long-term optimization. We avoid what feels threatening and chase temporary relief, even when it undermines our goals. Over time, avoidance becomes habit and anxiety deepens.

Moving from avoidance to engagement

Our experience suggests that reducing financial stress begins with awareness. Recognizing how stress affects decision-making can help people interrupt the cycle. One helpful shift is to view money as a tool, not a test. Many people equate financial success or failure with personal worth. Reframing that mindset can be powerful. Money is simply a resource, a way to support the things that matter most.

Conversation also helps. Nearly half of survey respondents said they’ve talked about financial stress with a family member, partner or friend. Those conversations, once taboo, can provide relief and perspective. Stress thrives in silence; dialogue diffuses it.

Managing the emotional side of wealth

Wealth Enhancement’s Mood & Money survey underscores an essential truth: financial well-being and emotional well-being are inseparable. Numbers don’t create stress; uncertainty does. When people have a plan, a process, and a trusted guide, that uncertainty fades.

If you’ve found yourself hesitating before opening a statement or checking your balance, you are not alone and are not stuck there. Start with one small act of engagement: review a recent statement, talk with someone you trust, or schedule a conversation with a financial adviser.

In this regard, one finding stands out: working with a financial adviser makes a measurable difference. Among those who have met with an adviser, 88% said they felt less stressed afterward. That reduction in stress comes from gaining clarity and confidence. Working with a trusted adviser can help transform vague financial worries into specific steps, such as repaying debt, rebalancing investments, or creating a plan that aligns with personal goals. Just as importantly, advisers can provide perspective when emotions threaten to take over.

Small steps can restore something larger than financial order. They can bring back a sense of calm, confidence and control, the real foundations of lasting financial wellness.

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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.

 

By SHAWN CHEN

NEW YORK (AP) — For little ghosts, witches, KPop Demon Hunters and superheroes, Halloween is one of the most exciting nights of the year. But it’s also one of the busiest for parents as they try to keep track of their trick-or-treaters, give out candy and watch over their homes.

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Fortunately, there are some tech tricks out there that can help families stay safe this Halloween, and have a little more fun too.

Keeping tabs on your kids

If your children are outfitted with Apple or Google-branded smart phones or watches or tracking tags, you can use the Find My or Family Link apps to keep tabs on them as they embark on their candy journeys. But don’t think of these apps as basic. Because branded peripherals — like Apple Air Tags or Pixel smartwatches — are built to be used with Apple and Google platforms, their tracking platforms can be more reliable than some third-party services.

One trick I discovered last Halloween is that I can set up a geofence with Find My. This gave my kids a little more freedom to navigate a set trick-or-treating area while I struggled to keep up with them. If anyone broke from the pack and left the designated area, I would get a notification. Here’s how to set it up:

Go to the Find My app on your iPhone. Scroll and tap on the name of the person or device you want to be notified about. Below notifications, tap “Add,” then “Notify me.” Continue through the menu options until you get to a location option. Choose “New Location” and you will be given the option to set a location radius. Then you will be asked how often you wish to be notified if the tracked individual leaves the area.

Next is a critical step if you wish to set a recurring notification. Unless it’s an air tag, your child must give a one-time authorization to the request. They will receive an alert asking for approval when they arrive at or leave the location you chose for the first time.

Google users have a similar geofencing option. First, you need to set up a new Family Location in the Family Link app. Then select your child in the main menu of the app and tap Family Locations, add the place you just created and select how often you’d like to be notified when they enter or exit the area.

Spookier doorbells

If you have a smart doorbell installed on your front door, you can have a little extra fun with visiting trick-or-treaters by adding spooky messages and specialized chimes.

For Ring doorbell users, head to your app and go to Menu-Devices. Select your doorbell. Then tap Smart Responses-Quick Replies-Quick Reply Message. You may need to toggle on Quick Replies if you hadn’t before, but you will see a list of Halloween-themed replies. Ours is set to “I’ll be right there to eat… I mean greet you!”

For those with Eufy Doorbells, navigate to your app and select your doorbell. A Voice Response list should include selectable Halloween-themed effects and chimes. You can also take advantage of a message recording function in more recent doorbell models to create your own, hopefully scary, response.

Nest and Google home users should be able to use their app to select a Halloween setting under Doorbell Themes (Google was updating Nest in October so your menu may be different from mine).

One unrelated tip for smart doorbell users, you may want to lower your motion sensitivity just for Halloween. If your device isn’t hardwired, the extra motion from trick-or-treaters could drain your doorbell’s batteries quickly (as I discovered). You can also avoid a flood of notifications if you do so.

Don’t forget the lights

Smart phones have flashlights, sure, but they’re not the brightest nor are they the best option if you’re carrying jackets, candy baskets, water bottles or costume parts. Instead, give yourself or your children more portable lumens so they can see (and be seen) easily in the dark.

There are plenty of options for all budget ranges, but I’m partial to lights that you can clip onto jackets or costumes to keep your hands free.

Shalina Chatlani, Stateline.org

NEW YORK — On a busy street in Queens, New York, just around the corner from a halal hot chicken sandwich restaurant and a barber shop, the Long Island City Health Center welcomes its patients into a brightly lit waiting room, painted baby blue and filled with soft white and gray seats.

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A woman working behind the desk on a recent weekday answered one patient’s questions in Spanish. Other patients came dressed in hijabs, kurtas or other traditional clothing from countries around the globe. A caseworker assigned to the center rolled one woman, wheelchair-bound because of a stroke, toward an examination room.

The Long Island City Health Center is part of a national network of more than 1,300 community health centers, safety-net clinics that served more than 31 million patients in 2023, according to KFF, a health research nonprofit. The clinics are located in areas where there aren’t many doctors or hospitals, and they provide care to all patients, regardless of their ability to pay.

Thanks largely to their broad reach, the centers have long enjoyed bipartisan support. But the federal government shutdown, freezes to federal grants, looming cuts to Medicaid and new Trump administration policies barring some immigrants from receiving care at the centers have put them under financial stress.

Community health centers disproportionately serve low-income people, people of color and rural residents. In 2023, 90% of patients had incomes at or below 200% of the federal poverty level, according to KFF. Forty percent of patients were Hispanic, 17% were Black and 31% were rural residents.

More than 80% of patients were insured, and about half of all patients were covered by Medicaid.

The health centers are funded by the payments they get from Medicaid, Medicare and private insurers, plus federal and state grants. Money is always tight, but between 2010 and 2023, average operating margins remained in the black. That changed last year, as the average margin dipped to -2.1%, according to an audit conducted by the National Association of Community Health Centers.

Half of community health centers have fewer than 90 days of cash on hand, and one-quarter operate with margins below -4%, according to the audit.

When the Trump administration froze some federal grants in February, it forced some clinics, particularly in rural areas, to reduce hours or shut down. The broad domestic policy law President Donald Trump signed July 4 is projected to increase the number of uninsured patients seeking care at the health centers. And the ranks of the uninsured would grow further if Affordable Care Act insurance plans get much more expensive at the end of this year, as would happen if Congress fails to extend tax credits that have kept prices down.

Meanwhile, the government shutdown has prevented Congress from renewing the Community Health Center Fund, which expired on Sept. 30 and provides about 70% of the centers’ federal funding. And the centers worry that a new Trump administration policy barring them from providing care to some immigrants would force them to dedicate scarce resources to verifying patients’ legal status. A federal judge has temporarily blocked the change.

Andrew G. Nixon, director of communications for the U.S. Department of Health and Human Services, told Stateline that the administration is “fully committed to protecting America’s community health centers, which play a vital role in serving millions of families nationwide.”

“The Trump Administration is working to reopen the government and restore full funding, while also ensuring that federal resources are prioritized for American citizens and lawful residents in accordance with the law,” Nixon said in an emailed statement.

This year, some states— including Connecticut, Illinois and Minnesota — approved more money for community health centers. But Illinois and Minnesota also have scaled back or ended health care programs that served low-income people regardless of their immigration status, which might prompt more of those patients to seek care at the centers. And California Democratic Gov. Gavin Newsom in June signed a state budget that bars immigrants who are here illegally from enrolling in the state’s Medicaid program.

“Historically, health centers have had bipartisan support, but we’re operating in a very different world now,” Feygele Jacobs, a professor of health policy and management at George Washington University, told Stateline.

Jacobs said health centers are a target for the Trump administration because they serve people of color, low-income residents, immigrants and the uninsured.

“It’s those very communities that are really being challenged right now by the administration,” Jacobs said. “So I don’t know that the focus is so much on health centers as entities, but really more on an administration whose views are antithetical to many of the people that health centers have historically cared for.”

But Chris Pope, a senior fellow at the conservative-leaning Manhattan Institute, questioned whether the Medicaid changes included in Trump’s One Big Beautiful Bill Act would lead to a significant increase in the number of people without insurance or a dramatic reduction in the program’s finances.

Pope also noted that the law doesn’t take direct aim at the federal funding of community health centers.

“There’s no direct cut in terms of reimbursement for community centers,” Pope said. “It’s not the intent of the bill to slash and attack health center revenues.”

Welcoming culture

The first community health centers were created in 1965 in Mississippi and Massachusetts as federal demonstration projects under President Lyndon Johnson’s War on Poverty. The program became permanent in 1975.

Doctors at the Long Island City Health Center describe it as a one-stop shop for patients. In addition to providing primary care and mental health services, the center has an in-house pharmacy and provides laboratory tests, vaccinations, drug treatment, HIV/AIDS treatment, and support for transgender patients and their families. Including its dozen medical residents, the center has doctors who can speak French, Tamil, Kru, Ibo, Yoruba, Spanish, Hindi, Nepali, Russian and Tagalog, among other languages.

Dr. Libby Brubaker, an attending physician at the Long Island City Health Center, told Stateline that providing a welcoming atmosphere for everybody is at the core of the center’s mission.

“Our social workers go to bat for our patients and help them get access to housing. … We write letters to allow our patients with asthma to be able to have air conditioners inside their apartments,” Brubaker said.

“Really what we’re providing for our patients is all encompassing, and that sets us apart,” she added. “Hospitals don’t do all of those things. They do some, but being able to offer that breadth of services in an outpatient setting is invaluable.”

Sandra Tapía visits the Long Island City Health Center. She likes this clinic because she can speak in her native Spanish. (Shalina Chatlani/Stateline/TNS)

Sandra Tapía, a Long Island City resident from Bogotá, Colombia, walked into the clinic on a Friday to see her nutritionist for the first time. She’s been in the U.S. for seven years, is a green card holder and has Medicaid. She said she likes the center because “it’s close and it’s safe.”

Tapía said she can’t imagine not being able to have access to health care, and values being able to speak to her provider in her native Spanish.

“Here, they offer really great services,” Tapía said. “I don’t want people without as many resources, like me, to be punished.”

The idea of cuts frightens patients such as Olga Scott, 65, who said she has been coming to Long Island City Health Center for years. Scott lives in the Bronx, but takes an hourlong subway ride to the center so she can see her favorite doctor.

“These community health services around the whole community of these five boroughs are needed — it’s really needed,” she said. “I just hope that they don’t do too much cutbacks, because we need every service we can get.”

Dr. Sindhura Manubolu, director of the family medicine program at the center, said she’s sensing “a lot of anxiety” from her patients, especially those who rely on Medicaid.

Dr. Sindhura Manubolu is the director of the family medicine program at the Community Healthcare Network’s Long Island City Health Center. (Shalina Chatlani/Stateline/TNS)

“Most of the questions from our patients have been around, ‘Oh, will we lose coverage?’” said Manubolu, who is an immigrant from India. “For someone to be here in an advanced country like America, and then not being able to access the health care that probably is even available to a person in a less developed country is not acceptable.”

Bipartisan support

On Capitol Hill, community health centers are an increasingly rare example of bipartisan agreement.

In May, Republican U.S. Sen. Roger Wicker of Mississippi and Democratic U.S. Sen. Jack Reed of Rhode Island wrote a joint letter to the chairperson and ranking member of the Senate health appropriations subcommittee, urging them “to provide robust funding” for community health centers, describing them as “a bipartisan solution to keeping Americans healthy and saving taxpayer dollars.”

Wicker and Reed argued in the letter that the centers save the overall health care system billions of dollars by reducing the burden of chronic disease through prevention and early intervention, and lower long-term Medicaid and Medicare spending by curbing expensive emergency department visits, hospital admissions and invasive procedures. The senators also noted that the centers employ more than 310,000 people and generate more than $118 billion in economic activity.

“Republicans in particular have always argued that one of the reasons for not pushing for more insurance coverage was the fact that we have these centers,” said Dr. Georges Benjamin, executive director of the American Public Health Association, which advocates for broader health care access.

Benjamin noted that the centers’ importance to rural, mostly Republican communities has heightened their broad-based appeal. He said draining money from them “is not a rational decision.”

“The administration has a nonsensical and uncoordinated health policy overall,” Benjamin said. “These important things that keep people alive and keep them healthy are getting caught in this very bad public policy time we’re having.”

But Robert Hayes, president and CEO of the Community Healthcare Network, the largest network of community health centers in New York City, said the centers there are determined to do what they have always done, regardless of the current challenges.

“We are secure. We’re obeying the law. We’re doing the right thing,” Hayes said. “I don’t mean to dismiss the anxiety that is around health care for the vulnerable these days, but our job is to not let it distract us from what we have to do, which is important and very hard to do: [provide] the most fundamental and primary and preventative health care for people who are basically excluded from the health care system.”

Stateline reporter Shalina Chatlani can be reached at schatlani@stateline.org.

Stateline is part of States Newsroom, a national nonprofit news organization focused on state policy.

©2025 States Newsroom. Visit at stateline.org. Distributed by Tribune Content Agency, LLC.