Minnesota lake ice-out starts month early

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DULUTH — Anyone who spent the past few months in the Upper Midwest won’t be surprised to know that winter’s grip on Minnesota lakes is disappearing faster than Sasquatch when you pull out a camera.

The warmest meteorological winter since accurate records have been kept across Minnesota is leading to the earliest-ever ice-out dates for many of the state’s 10,000 or more lakes, and in most cases, it’s not even close.

Nearly all of the lakes in the southern half of the state have lost their ice at a record-early date so far this year, many a full month or more ahead of normal, according to data from the Minnesota State Climatology Office of the Minnesota Department of Natural Resources.

Clear Lake in Waseca County, with records dating back to 1874, lost its ice March 1 this year, smashing the old record set March 6, 1987, and more than a month ahead of the median ice-out date of April 3. Pickerel Lake in Aitkin County lost its ice March 9, more than a month before its average April 14 ice-out. Even Fish Lake near Duluth had ample open water at midweek, approaching ice-out.

For northern Minnesota, 2012 is the year to beat in many cases, the last time the Northland had a non-winter and saw most lakes lose their ice in March and April. Big Sandy Lake in Aitkin County lost its ice March 26, 2012, the earliest on record. Even the big, cold lakes bordering Ontario lost their ice in early April in 2012, and that appears to be what may happen this year.

The lack of snow on any Minnesota lake of late means an even faster ice-out. Snow insulates the ice and protects it from the sun, making ice last longer.

“So far, it’s been pretty consistently a month early as it (ice-out) progresses north. That may slow down some farther north, but probably not much,’’ said Pete Boulay, a climatologist with the Minnesota State Climatology Office.

While state climatologists don’t have nearly as many records for lake ice-in dates, the dates lakes freeze over, they have a few that may show this was the shortest winter ice period on record. Boulay says he’s watching Lake Bemidji which has both ice-in and ice-out dates going back to 1959. Until now the shortest period of ice cover was 85 days in 2012 and again in 2016. But because Lake Bemidji didn’t officially freeze until Jan. 6 this winter, Boulay is guessing the lake may break its record for shortest ice cover.

Having lakes ice-free a month early should be good for people anxious to open their cabins, put in their docks and start fishing, but it may not be great for the fish. The News Tribune earlier this month reported that recent research by Wisconsin scientists found that earlier and highly variable ice-out dates hurt walleye spawning success.

This will be one year when there’s no worrying if the ice will be out by the Minnesota fishing opener.

“Not only has it been very, but we didn’t have much ice to begin with,’’ said Don Schreiner, a fisheries researcher for Minnesota Sea Grant at the University of Minnesota Duluth.

The extra month of open water means lake water will likely warm up faster, spurring more weed growth and likely more algae blooms, Schreiner noted. He said lake ecosystems would get a jump-start from the extra month without ice and that fish, by the May 11 fishing opener, could be in places and moods they would normally be in early June.

“Daylight (length) is also a factor (in when fish spawn) so that should moderate the very early ice-out somewhat. But it’s going to make this an interesting summer,’’ Schreiner said. “If the temperature trend we’ve seen this winter continues, weeds and algae are probably going to be an issue.”

Many lakes and rivers are already very low due to virtually no winter runoff and ongoing drought conditions. Schreiner said the low and warmer water could be most troublesome for fish in North Shore streams, which tend to run off stored snowmelt and rainfall rather than from underground springs.

“We could see fish struggling to get up streams,’’ he said.

Did you know?

Greenwood Lake in Cook County is, on average, the last lake in Minnesota to lose its ice, with a median date of May 9. Still, it has happened as late as May 24 (2014) and as early as April 10 (2012). The latest ice-out on record in Minnesota is for Gunflint Lake, on the Ontario border, which didn’t lose its ice until June 3 in 1936.

Definition of lake ice-out

The definition of lake ice out can vary from lake to lake. In most cases for the citizen observers reporting data to the Minnesota State Climatology Office, ice out occurs when the lake is completely free of ice. But for some lakes, it may be when it is possible to navigate from point A to point B. Either way, observers on each lake use consistent criteria from year to year when reporting lake ice-out dates. To check your favorite lake, go to dnr.state.mn.us/ice_out/index.html.

Find estimated ice-out date for your lake

The Duluth News Tribune wrote last year about Minnesota Sea Grant’s new Ice Out Widget. This year Sea Grant has renamed it the Minnesota Ice-Out Clock and updated some features to make it easier to use. You simply click on the weather station nearest your lake, fill in a little information and the program spits out an estimate for ice-out. Go to seagrant.umn.edu/programs/recreation-and-water-safety-program/mn-ice-out-clock.

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Illegal drone flight grounds helicopter fighting wildfire at Split Rock Lighthouse State Park

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CASTLE DANGER — A helicopter battling a small wildfire at Split Rock Lighthouse State Park on Minnesota’s North Shore of Lake Superior Tuesday had to be grounded and then sent back to base when an unauthorized drone was flying near the blaze.

Officials from the Minnesota Interagency Fire Center said the drone was spotted and the air crew was informed before any problems occurred. But they are asking the public to comply with federal and state regulations that ban drones near wildfires.

Firefighters with the Minnesota Department of Natural Resources and a DNR helicopter responded to the one-acre wildfire at Split Rock Lighthouse State Park. While the helicopter landed to refuel, DNR firefighters spotted the drone where they were working. The DNR helicopter remained grounded until firefighters confirmed the drone had landed, and then the helicopter returned to base.

When a drone is spotted near a wildfire, all responding aircraft are required to land or return to the airport until the airspace is clear, delaying firefighting efforts.

“We are fortunate this time the drone was spotted before it collided with the helicopter,” said Darren Neuman, aviation manager with the Minnesota Department of Natural Resources, in a statement. “Drone incursions are completely avoidable safety hazards that threaten the lives of everyone responding to the fire and nearby.”

Firefighters face tough conditions, smoke-filled air often limits visibility and a collision with a drone could cause an aircraft to crash.

“It’s simple, federal regulations prohibit the use of drones above wildfires,” said Neuman. “When they fly, we can’t.”

In addition to federal regulations on drone use, Minnesota law prohibits interfering with a firefighter in their official duties, including unauthorized drones that delay or restrict responding aircraft.

Already this season, Minnesota has seen more than 185 wildfires burn across more than 5,000 acres. With no snow across most of the state all winter, this is one of the earliest and driest spring wildfire seasons on record, and any period without rain will increase the danger that small fires could grow big. Fire danger increases on warm, windy afternoons and officials are urging caution with all burning.

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Clarence Page: Joe Biden’s campaign could use some star power. Paging Taylor Swift?

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President Joe Biden’s team looks to Taylor Swift for a touchdown. Considering the obvious ability that pop star Taylor Swift and her NFL star boyfriend, Travis Kelce, have shown for stealing the limelight, it comes as little surprise that, without even trying, they have generated their own conspiracy theory, too.

Long-standing conspiracy theories about the NFL and the “deep state” and other far reaches of the fever swamps produced a photo on the Twitter account @NFL_Memes that claimed a connection between Super Bowl logo colors and the teams playing in the big game itself. In response, faster than you could say “touchdown,” right-wing conspiracy theorists were claiming Swift’s involvement with Kelce of the Kansas City Chiefs is really part of a plot to gin up support for Biden in the 2024 election.

Considering the lackluster state of Biden’s campaign, the president needs all the help he can get. Besides, the success of Swift and her record-breaking Eras Tour have made this such a successful time for the pop star that it is not surprising to see the Biden campaign dream of sharing some of the glory and good fortune.

After all, it didn’t hurt Biden to have Swift’s endorsement in 2020. Last year a single Instagram post from her led to 35,000 new voter registrations. Even if old-timer football personalities disparage the couple’s star appeal as a big distraction, as retired coach Tony Dungy did recently, the entertainment industry known as the NFL has to be delighted with the publicity, merch sales and other revenue that the fun couple has brought to the sport.

Just as John F. Kennedy enlivened the White House with Frank Sinatra and his “Rat Pack” of pals and began a long-running tradition of Hollywood hobnobbing with presidents — mostly Democrats, as it turned out — today’s campaigns seek their own stars and welcome those who come along. As it struggles to hang onto such core constituencies as young liberals and people of color, at least according to polls, the Biden campaign has begun discussions with celebrities and social media stars about promoting Biden on Instagram and TikTok.

Old-school pols made good use of TV ads. Given today’s sensibilities, Biden’s campaign has enlisted “influencers” with a following on Instagram and TikTok — which I’m going to figure out one of these days.

Biden’s plan, insiders say, leans toward direct assaults on Trump and a big emphasis on abortion rights — an easy issue to contrast with sound bites of Trump boasting about picking Supreme Court justices who overturned Roe v. Wade. Democratic success at restoring abortion rights in red states that have put the issue to a referendum justifiably encourages the Biden campaign, but it’s likely not enough by itself to defeat Trump.

Biden’s campaign reportedly believes that the more the public sees and hears Trump brag about wanting to be “a dictator on day one,” the more voters will be brought to their side on issues like abortion and health care. Such a reversal won’t come easily. No one seems to thrive as much off of criminal indictments as Trump does.

But it’s still early in the campaign calendar and there’s still hope, according to longtime supporters. One who knows how that works is Rep. James Clyburn, a South Carolina Democrat and key Biden ally, who was credited with Biden’s crucial turnaround in 2020. He told The New York Times that Democrats needed to make an affirmative case and remind voters of tangible changes to their lives — like capping insulin costs, infrastructure cash for roads and bridges and other important promisesBiden kept.

But those “promises kept” have not mattered enough to younger and more progressive voters who have not given the administration much credit for itsaccomplishments — or harbor, in many cases, resentment toward Team Biden’s support for Israel’s war against Hamas. Complex issues like that are not easily debated in the midst of a presidential campaign, but campaigns are, after all, a nation’s sometimes ungainly debate over issues determining its future.

Politics often look like a game, but now it’s time to get serious.

cpage@chicagotribune.com

Twitter @cptime

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Your Money: Timely milestones on your retirement journey

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Bruce Helmer and Peg Webb

Everyone has their own unique retirement timeline. But just about everyone will face certain retirement milestones in approximately the same order and at the same life stage. Today’s article focuses on what you should be thinking about as you enter your 50s, 60s and 70s.

Accumulate more in your 50s

Beginning in your early 50s, there are a number of important milestones to pass on your road to retirement. As you begin to visualize what your retirement will look like in another decade or two, be sure to build these steps into your financial plan, and make sure they are aligned with your goals.

When you are 50, you can start to make “catch-up” contributions to most qualified retirement plans that can boost your personal savings. Catch-up contributions of up to $7,500 in 2023 and 2024 may be permitted in your 401(k) — other than a SIMPLE 401(k) — 403(b), SARSEP or governmental 457 plan. You must make catch-up contributions to a retirement plan via elective deferrals, and they must be made before the end of the plan year.

You can make catch up contributions to your traditional IRA or Roth IRA of up to $1,000 for the 2023 tax year, so long as you make them by the due date of your tax return (not including extensions). Catch-up contributions of $1,000 to your health savings account (HSA) are also allowed when you reach age 55 and can be made each year until you reach age 65 or until you enroll in Medicare. The HSA catch-up allows you to reduce your taxable income while increasing your HSA balance as you get closer to retirement.

In recent years, it’s become somewhat easier to withdraw money from your retirement accounts without being penalized. At age 55, for example, early, penalty-free withdrawals from your 401(k) may begin if you leave your job. But the rule is strict: You can only take penalty-free withdrawals from a 401(k) account sponsored by the employer you’re leaving.

Upon reaching age 59½, penalty-free withdrawals from all retirement accounts are permitted.

Feel entitled in your 60s

As you enter your sixth decade, lots of benefits start coming your way. Perhaps the biggest is your eligibility to collect Social Security benefits, which kicks in at age 62. But remember, your benefits are reduced if you start collecting them before your full retirement age of 67. For example, if you turn age 62 in 2024, your monthly benefit would be about 30% lower than it would be at your full retirement age. And for every year you delay claiming Social Security past your full retirement age, up to age 70, you get an 8% increase in your benefit. Your health status, expected longevity and retirement lifestyle are the three variables you need to consider in your decision to claim your Social Security benefit.

At age 65, Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) eligibility generally begins for everyone, unless you have a disability, End-Stage Renal Disease, or ALS (also called Lou Gehrig’s disease), in which case you can apply earlier. To be eligible to receive Medicare you must have a specific number of quarterly earnings, or qualify for coverage as a spouse, parent or child.

Generally speaking, anyone who was born in 1960 or later qualifies for full retirement age at 67. The full retirement age is 66 if you were born between 1943 and 1954 and increases gradually if you were born between 1955 and 1960.

Spending down in your 70s

Septuagenarians occupy a special place in the U.S. Tax Code. For example, age 70 is the last year to claim Social Security benefits (it’s also the age that will pay you the most monthly benefit). If you’re age 70 or older, you should apply for benefits, because your benefits will not increase if you continue to delay applying for them.

Uncle Sam generally wants you to start taking required minimum distributions (RMDs) from your 401(k) or IRA around age 72, depending on your birthday. At age 70½ or older, however, you are permitted to make Qualified Charitable Distributions (QCDs) of up to a total of $105,000 directly from a taxable IRA to one or more charities instead of taking the RMD. But to ensure QCD tax benefits, you must coordinate your QCD with your RMD, or the QCD could be treated as taxable income. Paying attention to the timing of the “first-dollars-out” rule is important.

Finally, at age 72, RMDs begin for most taxpayers, unless you are turning 73 in 2024. Paying attention to when you must begin taking RMDs is critical, as they could have an impact on your Medicare costs and taxes, and missing a withdrawal could result in major penalties. Keep in mind that, as a result of the SECURE 2.0 Act, there are no RMDs for Roth 401(k)s in 2024.

Each of these milestones represents a decision point in your financial plan, but you don’t have to go it alone. Working with a financial adviser and tax professional can help you prepare for each of these stops along your retirement journey.

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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. Securities offered through LPL Financial, member FINRA/SIPC. Advisory services offered through Wealth Enhancement Advisory Services, LLC, a registered investment advisor. Wealth Enhancement Group and Wealth Enhancement Advisory Services are separate entities from LPL Financial.