www.northeastbank-mn.com Summer 2015

N E W S & N OT E S

Financial Help Is at Hand

Money Management Assistance for Older Adults

Money management is tough enough for the young and healthy. Consider the added degree of difficulty for older adults – especially those whose health, eyesight or social support systems are no longer as robust.

Each year, the media report tales of seniors preyed upon by scam artists purporting to “help” them. Don’t become a similar statistic. Instead, take steps to protect yourself – and those you care for – by proactively establishing a solid, well-organized money management system.

ELEMENTS TO CONSIDER

Before you seek external money management assistance, take stock of your financial status and needs, and determine where you might need help, now or sometime in the future. These parts could include:• Budgeting and bill-paying –

handling monthly bills, reconciling bank accounts and operating according to a budget.

• Medical insurance claims – ensuring timely premium payments, obtaining

reimbursements and filing paperwork correctly.

• Financial and legal planning – making sure your financial and legal needs are handled properly.

• Income tax preparation – compil-ing documentation and receipts throughout the year and taking advantage of all available tax deductions and credits.

• Handling government benefits – checking on Social Security, disability and/or veteran’s benefits to ensure you receive what’s due to you.

ASSISTANCE FROM FAMILY

A family member who lives nearby may be the most logical and

Save the date for our Community

Picnic! See back page

for details.

Any of Northeast Bank’s representatives would also be happy to provide counsel on local resources to help you manage your money.

continued on page 3 >

F R E E S P I R I T C L U B N E W S & N OT E S

Northeast Bank Fun Fact Bank in Bloom

Summer is almost here, and that means the gardens at the Minneapolis location are in the process of being planted! Did you know, each year over 4,500 annual plants are planted starting in May by our fantastic groundskeeper? He has planted as many as 1,000 annual plants in a day, assuming the soil has already been prepped and the weather cooperates.

While our standard sidewalk beds feature red begonias (shown at right), a tried and true hardy annual that looks stunning in mass plantings, Mark likes to mix it up a little. The various planters and flower beds on the grounds and around the building have featured various plant varieties including zinnias, marigolds, seed geraniums, moss roses, petunias, gazanias and cannas. His favorite perennial planted on the grounds is iris. The vast majority of the plants planted at the Bank each year are grown and purchased at Pletscher’s Greenhouses.

East Side Neighborhood Services (ESNS) Celebrates 100 Years of Service!

January 20, 2015, marked East Side Neighborhood Services’ centennial: 100 years of service to the Northeast and Southeast Minneapolis communities! To commemorate this achievement, East Side will be celebrating with a community open house on May 16, and will host a Gala Celebration at the Nicollet Island Pavilion on September 24. Visit ESNS’s website at www.esns.org for more information about all of their upcoming events.

Do you have a story to share about your East Side experience?Please contact Sue Sjoselius, Free Spirit Club Coordinator and ESNS Special Events Committee Member, to share how ESNS has assisted you or your family throughout the years: 612-362-3219 or sms@northeastbank-mn.com.

www.northeastbank-mn.comF R E E S P I R I T C L U B N E W S & N OT E S

Online Click Pick

Local Interest Book Pick By Colleen Corona

I have always found myself fascinated by the Congdon Mansion a/k/a Glensheen going back to when I was a small child. I recall visiting Duluth in the 1980s with my parents and stopping by the mansion with hopes of taking a tour. Unfortunately, the mansion was closed that day, but the

former gardener who was allowed to live on the grounds for as long as he wanted was there and eager to have a conversation. He spoke with my father for a long time and discussed everything from working for Elisabeth Congdon to his memories surrounding the murders of 1977. About 20 years later, while visiting Duluth with my husband, I met the author of the book Glensheen’s Daughter: The Marjorie Congdon Story, at a local book-signing event. I had already read her book, so it was a treat to speak with her regarding all the research she had done leading up to the writing of her book. I have toured the mansion and read that book numerous times, yet find myself always wanting to come back for more.

Colleen’s local interest book pick: Glensheen’s Daughter: The Marjorie Congdon Story by Sharon D. Hendry

Money Management Assistance for Older Adults> continued from page 1

appropriate source of help for your financial needs. Just make sure this individual is experienced in all of the facets of assistance you require – and can be explicitly trusted. Family members can be a great help, but unfortunately, they are also the leading source of financial abuse against seniors – and many such crimes are never reported to authorities.

Even with a trustworthy family member, it may be a good idea to appoint a financial professional to provide dual oversight of your finances. For example, request that an attorney, accountant or bank trust officer also periodically review your financial statements. Besides safeguarding against fraud, this action can also help eliminate errors or oversights.

EXTERNAL RESOURCES

The Center for Healthy Aging (www.healthyagingprograms.org) offers a daily money management program that’s become a model for similar programs around the country. Trained and closely supervised program volunteers provide older adults with in-home assistance on handling their financial affairs.

If you’d simply like to learn how to save, invest and manage your money better, check out the federal government’s free information at www.mymoney.gov. Any of Northeast Bank’s representatives would also be happy to provide counsel on local resources to help you manage your money.

www.mnseniorsonline.com

Visit this site to find anything from community events held throughout the state, to senior news and articles, to fun brain teasers. Sponsored by FOX 9 KMSP and My29 WFTC, this site offers a variety of informa-tional resources including useful state and federal government website links.

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: ©iStock, ©Fotolia. ©2015 Bluespire Marketing | bluespiremarketing.com

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Minneapolis Office 77 Broadway St. NE

612-379-8811

Columbia Heights Office 3989 Central Ave. NE

763-788-9351

Coon Rapids Office 200 Coon Rapids Blvd.

763-784-3533

Northeast Telephone Banking

651-628-9807

www.northeastbank-mn.combanker@northeastbank-mn.com

eservices@northeastbank-mn.com

Member FDIC

All dates and prices are subject to change. Watch for individual event flyers in the mail.

If you have questions regarding any of the tours, please feel free to contact Sue at 612-362-3219 or Lynda at 612-362-3215.

 

MAYWednesday, May 27 $69The Land Between the Lakes Tour JAlbert Lea, MN

JUNE 2015Saturday, June 20 $69Mystery Tour J

JULY 2015Wednesday, July 8 $69Where the Mississippi Pauses Tour JLittle Falls, MN

AUGUST 2015August 31 – September 4 $499 Each,Deadwood & the Black Hills DoublePierre, Mount Rushmore, Flandreau J

SEPTEMBER 2015Friday, September 11 FREECommunity Picnic – Minneapolis11:00 a.m. – 1:00 p.m.

Friday, September 25 $59*Warrens Cranberry Festival JWarrens, WI

OCTOBER 2015October 7 – 13 $2,545 Each,California Rail Discovery Tour DoubleSan Francisco & Lake Tahoe  

Saturday, October 10 $59*Celebrate the Colors of Fall Tour JHarmony & Lanesboro, MN

Wednesday, October 14 $2 MemberBingo Party and $4 Non-memberEducation Series – TBA Minneapolis Office11:30 a.m. – 1:30 p.m. OR 5:30 – 7:30 p.m.

Thursday, October 22 $69Geritol Frolics Tour JMille Lacs & Brainerd Lakes Area

NOVEMBER 2015November TBD $TBDDay Tour JTBD

DECEMBER 2015December $TBDHoliday Day Tour JTBD

Friday, December 11 FREEHoliday Open House Free cookies, hot chocolate and coffee All locations

* Tour price does not include any meals.

The following activities are tentatively scheduled for members of the Northeast Free Spirit Club for 2015.

CANCELLATION POLICY: Please note that each travel company has a different cancellation policy, and that the policy may vary between day tours and extended tours. Travel insurance is usually available for extended tours. Please read the information on the individual event flyer carefully regarding the policy or feel free to contact us for clarification.

J = Jefferson Tours

= Premier World Discovery

that provides social and other services to individuals, families and the communities of primarily Northeast and Southeast Minneapolis. Their purpose is to assist people of all ages and backgrounds in realizing a higher quality of life. For more information regarding this critical organization, please visit www.esns.org.

Save the Date!Northeast Bank’s 2015 Community Picnic will be held on Friday, September 11, at our Minneapolis location. Each year we highlight a community partner located in the surrounding area of the host-ing bank location. Each nonprofit partner is present at the picnic to raise awareness for their services, and to collect needed items. This year’s partner will be the East Side Neighborhood Services (ESNS) Food Shelf located in Minneapolis.

Picnic attendees are invited to donate non-perishable food items for distribution through one of their three food shelves.

East Side Neighborhood Services Organized in 1915, East Side Neighborhood Services, Inc. (ESNS) is a nonprofit human service agency

Colleen serving brats at the 2014 Community Picnic.