How To Avoid Identity Theft When You Travel...2015/01/02 · identity theft increases. Here are a...

A publication of Border State Bank

Northern Neighbors Club Newsletter January • February • March 2015

Volume 25 • Issue 1

In this Issue…

How To Avoid Identity Theft When You Travel

Border News......................................1-2Northern Neighbor Policies.................2Northern Neighbor Events ..................3 Disclosure Policy...................................4 Coffee Hour Schedule........................4 What’s For Dinner................................5 Investment Centers of America.........6 Thune Insurance Network...................7 New Members......................................8 Book Club Schedules..........................8Bank Locations and Hours..................8

JANUARY • 2015 13 • Roseau Book Club21 • Thief River Falls Book Club 21 • Frostbite Frolic in Middle RiverPerfect Blend Coffee Hour (see page 4)

Be sure to check out the new location for Baudette’s Coffee Hour!

FEBRUARY • 201510 • Roseau Book Club12 • Valentine Potluck in Greenbush 18 • Thief River Falls Book Club

MARCH • 2014 10 • Roseau Book Club18 • Thief River Falls Book Club

Don’t forget to check out the other upcoming events available! (see page 3)

MBy: Jim Miller Source: http://www.huffingtonpost.com

ost people don’t realize that when you travel, your risk of identity theft increases. Here are a few simple steps you can take to protect yourself while you’re away.

Alert your credit card companies: Before you leave, let them know when, where and how long you’ll be traveling. This helps their fraud departments stop bogus charges if your card is used where you’re not. And, it reduces the risk that your card will be frozen when you use it far from home.

Secure your mail: Get a friend or neighbor to pick up your mail every day while you’re gone, or stop your mail at the post office. A full mailbox can be very inviting to identity thieves and burglars. Also, stop the newspaper, and don’t broadcast your travel plans on social networking websites.

Clean out your wallet: Pickpockets love tourist destinations, so take only essential identifiers, like your driver’s license, and just two credit cards - carry one with you, and lock the other one in a hotel room safe in case your wallet gets stolen. Also, don’t ever carry your Social Security card in your wallet, and leave your checkbook home too.

It’s also a good idea to make copies of your plane tickets, hotel reservations, passport, driver’s license and credit cards, and leave them with a friend or relative who you can call in an emergency. And make a list of contact numbers of your credit card providers so you can call them if your pocket gets picked.

Protect your smartphone: These are gold mines for ID thieves. If you use a smartphone, protect your personal information by using the security settings to lock your screen with a password.

Save the Date for great events coming soon!

Upcoming Events

PAGE • JANUARY - FEBRUARY - MARCH 20152

BORDER NEWS

The Northern Neighbors newsletter is now delivered through EMAIL - insuring you receive your NN Newsletter FAST! Just

send an email to [email protected]

and insert “NN Newsletter” in the subject line! If you don’t have access to the internet, you can stop by any bank

and request a copy of the current newsletter. Did you know that you can access the quarterly NN

Newsletter online? Log on to our website www.borderstatebank.com and visit the NN page. Along the right side of the page is a link to the NN Newsletter, as

well as a list of all the current local events!

Don’t Miss Your Newsletter!Membership: Northern Neighbor Club membership is free with any of the following banking relationships with Border State Bank: Any checking account that maintains a balance of $1500, any savings account that maintains a balance of $1500, combination of checking and/or savings accounts that maintain a balance of $1500, CD or combination of CDs that maintain a balance of $5000, loan portfolio of $25,000 or greater, or an ICA portfolio of $10,000 and greater. Eligibility: Accounts are reviewed periodically, so we ask that you take a few minutes to check your accounts and make sure you still qualify for this great benefit.

Then install a GPS location tracking app on your phone such as “Where’s My Droid” for Android devices, or if you’re an iPhone user, activate the built in “Find My iPhone” app. You can also set up your phone so that if it does get stolen, you can remotely erase its data. Your wireless carrier may offer this service, and many security apps include this feature.

Use safe ATMs: If you need cash while you’re away, use ATMs that are located at banks. These are more secure than stand-alone ATMs which can be rigged to capture your card information that thieves can steal.

Safeguard your hotel: Never leave your wallet, passport, credit cards or other valuables lying around your hotel room. Either keep them with you or lock them up in the hotel safe. And if you have a laptop computer or tablet, get a locking device that lets you lock it to something fixed in the room. You local computer store can help you with this.

Be careful with hotel computers and free Wi-Fi networks: Don’t access your personal accounts or disclose any of your financial information on hotel or other public computers or on public Wi-Fi networks. You never know what identity-stealing software is at work.

Freeze your credit: A temporary freeze denies access to your credit history, so ID thieves can’t open accounts in your name while you’re away, but it doesn’t stop you from using your credit card. To set up a freeze, contact each of the three credit bureaus - Equifax, Experian and TransUnion. It typically costs around $10 per credit bureau to freeze your account, and $10 to unfreeze it. If you’re going to be gone for an extended period of time this is a good extra protection.


Save The Date!

Holiday Parties!

Thursday, February 12, 2015 Greenbush Community Center at 11amJoin us for a Valentine Potluck dinner (the bank will provide the meat – just bring a dish to pass!) We have great entertainment planned for your listening pleasure. There will be lots of prizes and plenty of fun. Even though there’s no charge, we’d like you to pre-register. Cost: FREE ~ Reservations are required by February 5th.

Wednesday, January 21, 2015Middle River American Legion from 5-8pmCOME IN FROM the cold and warm up with some foot tapping music! The food and music are guaranteed to take the chill out. This is your chance to dance the evening away! Call your local Border State Bank now to register for this great event.Cost: $13.00 ~ Registration and payment due by January 14th.

Valentine PotluckFrostbite Frolic

On Wednesday, December 3rd, the Northern Neighbors had their Christmas Luncheon at Lenard’s in International Falls. 23 Northern Neighbors enjoyed a lunch of soup and a sandwich. The Falls High School Senior Choir sang Christmas carols and the Northern Neighbors played games for door prizes! They also had a food drive to benefit the local food bank - they ended up collecting 44

lbs of food and $15! Fun was had by all!

On Tuesday, December 2nd, 22 Northern Neighbors enjoyed a brunch meal of Egg Bake, bacon, fruit, muffins and coffee at Gene’s in Roseau. They were entertained by Lois and Lois, a signing duo. We also sang We Wish You A Merry Christmas as a group. The members enjoyed playing our heads and tails games. We played many rounds and had a finalist round for the grand champion!

We also gave away many door prizes! Fun was had by everyone!

On Monday, December 1st, we had 29 NN’s come out for a wonderful Christmas Brunch at The Dawg House in Thief River Falls. of egg bake, caramel rolls, cheesy hash browns and fruit. We all enjoyed the great entertainment by the duet of Lois and Lois who had a variety of classic Christmas carols. We then played two games; the Christmas Trivia Game which had a few members scratching their heads, and then we played the Right-Left Game which left everyone dizzy and roaring with laugher! We ended the morning

with drawings for Christmas gifts. We love getting together with our NN crew!


THIEF RIVER FALLS

January 14th 10:00am

The Dawg House ~ FREE!

GREENBUSHJanuary 15th

10:00 amRockin’ 50’s Cafe ~ FREE!

BADGERJanuary 16th

10:00amTwins’ Corner Cafe ~ FREE!

BAUDETTEJanuary 20th

2:30pmNorthlake Cafe ~ FREE!

MIDDLE RIVERJanuary 20th

2:00pmThe Garden Café ~ FREE!

INTERNATIONAL FALLSJanuary 21st

10:00amBorder State Bank ~ FREE!

ROSEAUJanuary 21st

9:30am Gene’s Bar and Grill ~ FREE!

Held quarterly!

You’re welcome at any, but please choose only one!

The Perfect Blend: Your educational and caffeine mix!

NN LOCAL EVENTS

We are always excited and pleased you are attending our events. Our staff is eager to provide a great event for you and needs time to arrive from the bank and set-up the event. Doors will be opening 30 minutes prior to the

event. Thank you.

4

The Perfect Blend: Your educational and caffeine mix!

October’s educational topic:

Osteoporosis: The Bone Thief Osteoporosis is called the “silent disease” because you may not notice any changes until a bone breaks. 10 million Americas have Osteoporosis, they are mostly women. We’ll have a pamphlet with information on how you can be tested, how to keep your bones strong and if you have Osteoporosis,

what you can do for your bones.

On occasion, photos are taken at events and used in the newsletters or on the website. If you do not want your name or photos of you used, please send back the bottom portion of this article. In not returning the bottom portion of this article, you authorize Border State Bank’s Northern Neighbors Club to use your name and/or photos of you for any of its mediums and expect no payment or compensation in return.

Do Not Disclose Form Please do not disclose my name or use any photos taken of me.Name_________________________________Phone Number___________________Address_________________________City_______________State____Zip__________Signature__________________________________Date_________________________

BSB NORTHERN NEIGHBOR DISCLOSURE POLICY


Cocktail HourAdult Hot Chocolate

Ingredients:• 1 cup of semi sweet chocolate chips•½ tsp vanilla extract• 2 cups of skim milk• 3½ oz Godiva chocolate liqueur• 3 oz whipped cream vodka• Whipped cream and chocolate syrup for garnishDirections:In a small sauce pot, on medium

heat, add the chocolate chips. Once they start to melt, start poring in the milk, while stirring with a silicone covered whisk. Stir until all melted and smooth.Bring to a low boil, stirring often, and add vanilla, chocolate liqueur and vodka. Stir and cook for about a minute. Divide among the cups and top it off with whipped cream and chocolate syrup.

WHAT’S FOR DINNER?

DessertEasy Peanut Butter Cookies

Ingredients:•1/4 cup creamy peanut butter • 2 tbs unsalted butter, room temperature • 1/2 cup brown sugar • 1 egg • 1/2 tsp pure vanilla extract • 3/4 cup all-purpose flour, sifted or aerated• 1/2 tsp baking powder • 2 tbs granulated sugar for coating

Directions:Preheat oven to 350 degrees Fahrenheit. Using an electric mixer, cream peanut butter and butter in a mixing bowl until smooth. Add brown sugar; beat until combined. Add an egg and vanilla, and continue beating until creamy. In a separate bowl, whisk together flour, baking powder. Gradually add dry ingredients from step 2 to wet ingredients in step 1, beating on low speed. Prepare baking sheet by lining it with parchment paper or lightly greased aluminum foil. Place granulated sugar on a plate. Roll spoonfuls of cookie dough into balls, rolling each ball between your hands. Roll balls in sugar to coat them completely. Place cookie balls 2 inches apart on a prepared baking sheet. Bake until cookies begin to puff up slightly, about 12 minutes, until cookies just brown around the edges and crackle on top. Remove from oven and let the cookies cool at least 10 minutes on baking sheet

Main CourseEasy Crock Pot Beef Burgundy

Ingredients: • 1/4 cup flour• 2 tbs cornstarch, divided• 1 tsp steak seasoning• 2 pounds cubed beef for stew• 4-5 tbs olive oil• 1 medium onion• 1 cup Burgundy {or red}

wine• 2 tbs minced garlic• 4 ounces sliced baby Portabello mushrooms• 1 tsp salt• 3 bay leaves• 1 cup beef broth• 1/4 cup warm water• 1 – 2 tbs chopped parsley; optionalDirections:Combine flour, 1 tablespoon cornstarch and steak seasoning in a ziploc bag and shake to mix. Add stew meat to the bag and seal; Shake to coat and set aside.Add the olive oil to a large skillet over medium high heat. Once the oil is hot, add the beef mixture and cook 5-6 minutes, turning often to brown meat on all sides.While the beef is browning, peel and slice the onion in half and chop into 1/2-inch pieces. Add the onion and the wine to the pan and cook for 2 minutes. Stir in garlic, mushrooms, bay leaves, and beef broth, and bring to a boil. While that comes to a boil, add 1 tablespoon cornstarch and the warm water to a small bowl and stir until dissolved. Pour the cornstarch mixture into meat and stir for 1-2 minutes. Remove from heat and pour the stew into the crock pot. ***At this point, the stew could be refrigerated overnight to slow cook the next day. IF refrigerating overnight, add an extra 1/4 cup each beef broth and red wine to the stew. ***Cook on LOW for 8 hours or on HIGH for 4 hours. Discard bay leaves before serving and add salt & pepper to taste. Garnish with chopped parsley if desired.

before transferring cookies to rack to cool completely.For cookies to have that nicely rounded, puffed up shape, roll them in balls between the palms of your hands and then roll each cookie ball in sugar. If the cookie dough is too soft for you to work with, let it chill in the refrigerator for 30 minutes before rolling.


INVESTMENT CENTERS OF AMERICA6

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a Registered Representative ofInvestment Centers of America, Inc.Located at: <Financial Institution Name><Registered Address><City, ST, 00000>

The information in this newsletter is general in nature and should not be construed as tax or legal advice. Investment Centers of America, Inc. does not provide tax or legal advice. Please consult your tax and/or legal advisor for guidance on your particular situation. The information in this report has been obtained from sources considered to be reliable but we do not guarantee that the foregoing material is accurate or complete. This article is not an offer to sell or a solicitation of an offer to buy any security, and may not be reproduced or made available to other persons without the express consent of Investment Centers of America, Inc. Securities and insurance products offered through Investment Centers of America, Inc., member FINRA, SIPC, and affiliated insurance agencies are: NOT INSURED BY FDIC/NCUA OR ANY FEDERAL AGENCY NO CREDIT UNION/OR BANK GUARANTEE MAY LOSE VALUE

Knowing the right time to retire used to be a lot easier. You worked a certain number of years and then earned the right to a wonderful retirement. However, longevity has been the game changer for some time now. Yes, the good news is you are living longer. And yes, the bad news is you are living longer. Now, with so many potential years to strategize for in retirement, it has become harder to determine the precise time to take this step. Unless you are forced into retirement, this is one of the most important financial decisions you might ever make. While biological age may just a number, it can also be used to mark the miles on your road to retirement. Let’s take a look at the key destination points.

AGE 50The age where you can begin taking advantage of catch-up contributions (up to $5,550 in 2014) which allows one to increase the amount you can contributed to 401(k)s or other retirement accounts. How does your nest egg look? You may need an extra-disciplined approach to saving and a defined benefit plan offers that platform. An important part of your retirement savings strategy can be simplified to your savings rate as a percentage of your take home pay.

AGE 59 ½This is the age you always see in the disclosure. It’s the age where you become eligible for penalty-free distributions from qualified retirement accounts. If you make any non-qualifying withdrawals before you hit this age, you are subject to a 10% penalty. After that day, you can take out as much as you want, whenever you want.1

AGE 62This is the age you can begin collecting Social Security benefits. Most think it is wise to wait as long as possible before applying, and they are right.

If you do so as early as you possibly can, the month after you turn 62 your monthly take with be 25% less than had you waited until full retirement at age 66.2 Plus, the longer you wait to collect Social Security, the more it can also mean for a survivor benefit for your spouse.

AGE 65This is the age one becomes eligible to enroll in Medicare and Medicare Part B. But remember, Medicare only pays a certain portion of your healthcare expenses. Think about this: A couple retiring this year will need approximately $250,000, on average, to cover medical expenses in retirement, according to a recent study. The research is based on projections for a couple of 65-year-olds retiring this year with Medicare coverage.3 The point is, even when you are able to leverage government programs you become eligible for, you still need a personal nest egg to help augment a comfortable retirement.

AGE 66This is the age you can qualify for full Social Security benefits without earnings cap restrictions. It’s also the age delayed retirement credits (worth 8% a year but end at age 70) start kicking in. This is a good age to consider collecting Social Security, but the longer you wait, the more you collect in the long run. Can you wait until age 70?

AGE 70If you’ve waited this long, you get the maximum Social Security benefit and you also become eligible for other retirement strategies. Your Social Security benefits further increase by 7 to 8 percent for each year you delay claiming up until age 70. After this year there is no additional incentive to put off collecting your due.

AGE 70 ½ At this age you are required to take distributions from qualified retirement accounts. Work with your financial representative to review your distributions and help ensure you have an income withdrawal strategy that reflects your retirement objectives.

Age 80+ By the time you reach age 80 and beyond, you may feel you’ve passed all of the important retirement mile markers, but there may well be more on the road ahead. You need to keep reviewing your retirement assets and plans to see if any adjustments can or need to be made. It’s also a good time to begin thinking about end of life decisions, and leaving legacies. A man reaching age 65 today can expect to live, on average, until age 84.3. A woman turning age 65 today can expect to live, on average, until age 86.6. And those are just averages. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95.4

While the prospect of living longer has changed the way we approach retirement, reaching certain ages is what marks the road map on this journey. And if you’re feeling old, just remember what Mark Twain said: “Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.”

Knowing the Right Time to RetireUse your age to create mile markers on the road to retirement.

1 Guina, Ryan. “Roth IRA Withdrawal Rules – How and When You Can Access Your Funds.” Cash Money Life Personal Finance Investing Career RSS. 28 Nov. 20122 Maxfield, John. “Social Security: Why Taking Benefits at 62 Is Smarter Than You Think - DailyFinance.” DailyFinance.com. 31 May 2014.

3 “Study: Couples Retiring This Year May Need $250,000 for Health Care in Retirement.” OregonLive.com4 “Social Security.” Calculators: Life Expectancy. Social Security Administration

Investment Centers of America, Inc. is not affiliated with

For more information please call.

Investment Representative,

Border State Bank.

Scott Severson & Jerry Olson

Border State Bank1083 3rd St. NWRoseau, MN 56751

(218)463-3344

Scott Severson &Jerry Olson

“Cash M


What Is Covered by a Basic Auto Insurance Policy?Submitted by: Thune Insurance Network Source: www.iii.org

THUNE INSURANCE NETWORK Phone: 218.463.1344 • Fax: 218.463.1347 • Email: [email protected]: www.thuneinsurance.com

THUNE INSURANCE NETWORK7

Your auto policy may include six coverages. Each coverage is priced separately.

1. Bodily Injury LiabilityThis coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission.

It’s very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage LiabilityThis coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

4. CollisionThis coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you’re not at fault, your insurance company may try to

recover the amount they paid you from the other driver’s insurance company. If they are successful, you’ll also be reimbursed for the deductible.

5. ComprehensiveThis coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

6. Uninsured and Underinsured Motorist CoverageThis coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

This content has been provided by the Insurance Information Institue: http://www. iii. org


From BAUDETTE:Christine Martin

Kathleen & Kim Barsness Patty & Douglas Hasbargen Sharon & Michael Simmonds

WELCOME NEW MEMBERS:

Northern Neighbor Local Contacts:TRF: Bethany Packard and Tracy Rohde • 681-8085Middle River: Dawn Benke • 222-3511Greenbush: Lori Foster and Jody Kirkeide • 782-2151Badger: Sharon Heggedal • 528-3255Roseau: Janelle Vagle and Amanda Zimmerman • 463-3888Baudette: Lorie Fuller • 634-3300International Falls: Lila Lehman • 283-5556

MEMBER FDIC • EQUAL HOUSING LENDER Newsletter designed by BSB Marketing Department.

BADGER202 Main Street

PO Box 69Badger, MN 56714

218-528-3255Monday-Friday

Lobby: 9:00 am-5:00 pmDriveUp: 8:00 am-5:00 pm

SaturdayLobby: 8:00 am-NoonDriveUp: 8:00 am-Noon

24HR Entry ATM

BAUDETTE605 Main Street

PO Box 1089Baudette, MN 56623



SaturdayDriveUp: 8:00 am-Noon

24HR Drive Thru ATM

GREENBUSH133 Main Street

PO Box 280Greenbush, MN 56726

218-782-2151Monday-Thursday


FridayLobby: 9:00 am-6:00 pmDriveUp: 8:00 am-6:00 pm

SaturdayLobby: 8:00 am-Noon

DriveUp: 8:00 am-NoonATM Available at River’s

Edge Bait & Convenience

INTERNATIONAL FALLS1414 Highway 71

Int’l Falls, MN 56649218-283-5556

Monday-FridayLobby: 9:00 am-5:00 pm

DriveUp: 8:00 am-5:00 pmSaturday

DriveUp: 8:00 am-Noon24HR Drive Thru ATM

ROSEAU1083 Third Street NW

PO Box 40Roseau, MN 56751

218-463-3888Monday-Wednesday and Friday


ThursdayLobby: 9:00 am-6:00 pm



THIEF RIVER FALLS1528 Highway 59 South

PO Box 599Thief River Falls, MN 56701

218-681-8085Monday-Wednesday and Friday


ThursdayLobby: 9:00 am-6:00 pm



MIDDLE RIVER150 Hill Avenue

PO Box 50Middle River, MN 56737



SaturdayDriveUp: 8:00 am-Noon

24HR Entry ATM

LOCATIONS AND HOURS


24HR Voice Banking1-866-BSB-24HR

Online Bankingwww.borderstatebank.com

ROSEAU BOOK CLUB1:00 p.m. in the

Roseau Board RoomJanuary 13th - Ordinary Grace by

William Kent KrugerFebruary 10th - Unlikely Pilgrimage

of Harold Fry by Rachel JoyceMarch 10th - Miss Julia Throws a

Wedding by Ann B Ross

THIEF RIVER BOOK CLUB1:00 p.m. in theTRF Board Room

January 21st – Winter Study by Nevada Barr

February 18th – Death on a Silver Platter by Ellen Hart

March 18th – Downtown Owl by Chuck Klosterman

If you’d like to join or want more information, contact your

NN local contact!

BOOK CLUB SCHEDULE:

Mobile Bankingwww.bsbmobile.com

How To Avoid Identity Theft When You Travel...2015/01/02 · identity theft increases. Here are a...

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Transcript of How To Avoid Identity Theft When You Travel...2015/01/02 · identity theft increases. Here are a...