5 Ways Positive Thinking Can Transform Your Health€¦ · 5 Ways Positive Thinking Can Transform Your Health Border News.....1-2 Northern Neighbor Policies ... Optimism’s benefits

A publication of Border State Bank

Northern Neighbors Club Newsletter April • May • June 2015

Volume 25 • Issue 2

In this Issue…

5 Ways Positive Thinking Can Transform Your Health

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

APRIL • 2015 14 • Roseau Book Club15 • Thief River Falls Book Club Perfect Blend Coffee Hour (see page 4)

MAY • 201512 • Roseau Book Club20 • Thief River Falls Book Club

JUNE • 2015 17 • Thief River Falls Book Club

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

OBy: Carolyn Gregoire Source: http://www.huffingtonpost.com

ur emotional world has a remarkable power to determine not only our mental health, but also how our physical well-being.

“Positive characteristics, such as optimism, vitality, meaning, and subjective life satisfaction are immensely important in their own right,” psychologist Dr. Scott Barry Kaufman wrote in a recent Scientific American blog on optimism and heart health. “The related fields of positive psychology and health psychology focus on rigorous scientific investigations of how people adapt to life’s inevitable challenges, and how that is related (or even leads to) a better quality of life.”

And a growing body of research in psychology, medicine and public health is demonstrating the health benefit of positive emotions and their effect on physical health. When past studies have looked at the effect of emotions on physical health, it has tended to focus on the deleterious effect of negative emotions like anger and mental health conditions such as anxiety and depression.

Here are five positive emotions that have been shown to improve physical health and prevent disease.

Optimism may protect the heart. While we usually define optimism as a sunny outlook towards the future, it also encompasses much more than that. The hopeful emotion acts as a coping mechanism that can help individuals to prevail through life’s challenges by maintaining a conviction that things will work out in life.

A growing body of research has suggested that cultivating this quality can have a protective effect on the heart. According to a 2012 review of literature , a number of studies have shown that people with optimistic personalities are at a reduced risk of cardiovascular events. More recently, a fascinating study found that language used on Twitter could predict mortality from heart disease -- specifically, language related to optimism and resiliency (“overcome,” “stronger,” “faith”) was associated with a lower risk of mortality within a particular community.

Optimism’s benefits for physical health also extend beyond heart health. Here are a few other ways that a sunny disposition may improve health outcomes, including improved immune system function and increased longevity.

Save the Date for great events coming soon!

Upcoming Events

PAGE • APRIL - MAY - JUNE 20152

BORDER NEWSExperiencing awe reduces inflammatory markers associated with autoimmune disease. Hiking through a beautiful natural landscape, listening to moving classical music, or participating in a religious or spiritual ritual are some of the experiences in life that make us feel most joyful and alive. Research has shown that experiences of art, religion and philosophy are the most common experiences that evoke a sense of awe -- that sense of wonder and connection to something larger than ourselves.

According to new research from the University of California at Berkeley, awe is not only pleasurable but also enormously beneficial for one’s physical and mental health. The Berkeley study found that those who had recently experienced awe had lower levels of cytokines, inflammatory markers that, in chronically high levels, have been implicated in the development of autoimmune diseases, as well as other health problems including including heart disease, Alzheimer’s and depression. This suggests that awe promotes healthier levels of cytokines and may prevent disease.

“Rather than seeing a walk through the park or a trip to the museum as an indulgence, we hope people will view these kind of experiences as important ways to promote a healthy body in addition to a healthy mind,” one of the study’s authors, Dr. Jennifer Stellar, told the Huffington Post. “Folding these kinds of positive experiences into your daily routine may be more important for health than we previously realized.

Compassion and care for others can improve vagus nerve function. Compassion -- a loving concern for the well-being of others -- can make us feel positively towards both ourselves and other people, and may improve our physical health in at least one important way.

Positive psychologist Barbara Frederickson has conducted research on the effects of lovingkindness meditation (LKM), a traditional Buddhist practice that involves meditating on love and extending compassion to oneself and a progressively large group of others. Frederickson found just six weeks of LKM training to have a positive impact on the vagus nerve, which extends from the brain stem to the heart, helping to regulate emotions as well as bodily systems including the cardiovascular and digestive systems.

In boosting feelings of compassion, the meditation led to

improvements in resting vagal tone (which can be used to assess the degree of activity in the automatic nervous system). In an interview with Emory University, Frederickson explained that the vagus nerve plays an important role in both a person’s physical health and their feeling of love and connection to others. “In a way, our bodies are designed for love, because the more we love, the more healthy we become,” she said.

Gratitude may also benefit heart health and immune system function. Like optimism, an “attitude of gratitude” -- an appreciation and feeling of thankfulness for the blessings one has in life -- carries significant mental and physical health benefits. Gratefulness, like optimism, has been linked with improved immune health, and has also been shown to improve sleep quality.

Gratitude may also improve health and well-being in a variety of ways insofar as it lowers stress levels -- stress being one of the main contributing factors to many chronic diseases. Research has shown that among older adults, feeling a sense of gratitude towards God acts as a buffer against the negative health effects of stress.

Self-compassion improves health-related behaviors. People who cultivate kindness towards themselves are also kinder to their bodies, potentially helping them to prevent or manage a range of negative physical and mental health outcomes.

A 2013 study published in the Personality and Social Psychology Bulletin examined the relationship between self-compassion, reactions to illness, and a range of health-related behaviors, finding that self-compassionate people sought medical attention sooner for symptoms that they were experiencing than people who were lacking in self-compassion. Self-compassionate people also tended to be less depressed about health problems they were experiencing, and also to take a more proactive approach towards their own health.

“It is fine to experience the pain of a negative event,” cognitive scientist Dr. Art Markman wrote in Psychology Today. “But, after acknowledging the pain, it is also important to get up and try again -- to remember that failures and illnesses and bad relationships are not a verdict on your worth as a person, but just another hurdle to be overcome.”

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.


Save The Date!

Frostbite Frolic

Approximately 41 Northern Neighbor Members braved the cold to enjoy our annual Valentine Potluck held at the Greenbush Community Center. BSB furnished pulled pork and cheesy potatoes while the rest of the dinner was potluck by those who attended. Our members are wonderful cooks as everything was delicious! Various games were played including “Lefty-Righty”, Bingo, and who had been married the longest and who were the “honeymooners”.

A great time was had by everyone who attended!

Wednesday, January 21st, the Middle River BSB hosted the annual Northern Neighbor Frostbite Frolic. After last year’s frosty postponement due to bad weather, we looked forward to a thawing Frolic as the weather more than cooperated and allowed 45 Northern Neighbor Club Members from around the area to attend the event. With a toe-tapping band “Texas Connection”, a wonderful meal prepared and served by the Middle River Legion Auxilliary Members and the traditional

Treasure Chest along with many prizes, it’s safe to say fun was had by all!

Valentine Potluck

Thursday, September 3rd, 20155-7pm, Skippy Fins in Badger You won’t want to miss this great night of down home entertainment and wonderful food. Join us for a great meal and then dance away the evening!

Hoe Down


THIEF RIVER FALLS

April 8th 10:00am

The Dawg House ~ FREE!

ROSEAUApril 15th 9:30am

Gene’s Bar and Grill ~ FREE!

INTERNATIONAL FALLSApril 15th 10:00am

Border State Bank ~ FREE!

GREENBUSHApril 16th 10:00 am

Rockin’ 50’s Cafe ~ FREE!

BADGERApril 17th 10:00am

Twins’ Corner Cafe ~ FREE!

BAUDETTEApril 21st 10:00am

Northlake Cafe ~ FREE!

MIDDLE RIVERApril 21st2:00pm

The Garden Café ~ 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!

April’s educational topic:

Activities For All Seasons A change in seasons is an excellent time to be creative about your exercise routine and try something new. There are many

ways to be active throughout the year.

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


DessertLemon Cheesecake Bars

Ingredients:• 1 box Betty Crocker SuperMoist lemon or yellow cake mix • 1/4 cup butter or margarine, softened • 3 eggs • 1 package (8 oz) cream cheese, softened • 1 cup powdered sugar • 2 teaspoons grated lemon peel • 2 tablespoons lemon juice

Directions:Heat oven to 350°F (325°F for dark or

nonstick pan). In large bowl, beat dry cake mix, butter and 1 of the eggs with electric mixer on low speed until crumbly. Press in bottom of ungreased 13x9-inch pan.

In medium bowl, beat cream cheese with electric mixer on medium speed until smooth. Gradually beat in powdered sugar on low speed. Stir in lemon peel and lemon juice until smooth. Reserve 1/2 cup; refrigerate. Beat remaining 2 eggs into remaining cream cheese mixture on medium speed until blended. Spread over cake mixture.

Bake bars 23 to 28 minutes or until set. Cool completely, about 1 hour. Spread with reserved cream cheese mixture. Refrigerate about 3 hours or until firm. For bars, cut into 8 rows by 6 rows. Store covered in refrigerator.

5

Cocktail HourWhite Wine Sangria

Ingredients:• 1/2 cup sugar • 1 cup orange-flavored liqueur or orange juice • 1 cup vodka or lemon-lime carbonated beverage • 2 medium peaches or nectarines, thinly sliced, slices cut into half •1 medium orange, thinly sliced,

cut in half if desired • 1 lemon, thinly sliced • 1 lime, thinly sliced • 1 bottle (750 ml) dry white wine, nonalcoholic white wine or white grape juice, chilled (3 1/2 cups) • 1 bottle (1 liter) club soda, chilled (4 cups)

Directions:In half-gallon glass or plastic pitcher, stir sugar, orange liqueur and vodka until sugar is dissolved.

Into another half-gallon glass or plastic pitcher, pour half of vodka mixture. Divide fruits and wine evenly between pitchers. Refrigerate until serving.

Just before serving, pour half of club soda into each pitcher; stir gently to mix. Serve immediately. If desired, serve over ice.

WHAT’S FOR DINNER?

Main CourseThyme-Roasted Chicken with Vegetables

Ingredients: • 1 whole chicken (3 to 3 1/2 lb) • 6 medium carrots • 4 medium stalks celery • 3 large baking potatoes (russet or Idaho), about 8 oz each

• 3 medium onions • 2 tablespoons butter or margarine • 1 tablespoon chopped fresh or 1 teaspoon dried thyme leaves

Directions:Heat the oven to 375°F. Fold the wings of the chicken across the back so tips are touching. There may be a little resistance, but once they are in this position, they will stay. Tie the legs to the tail with string or use skewers; if the tail is missing, tie the legs together.

In a shallow roasting pan, place the chicken with the breast side up. Insert an ovenproof meat thermometer so the tip is in the thickest part of inside thigh and does not touch bone. Roast chicken uncovered 45 minutes.

While the chicken is roasting, peel the carrots, and cut into 1-inch pieces. Cut the celery into 1-inch pieces. Scrub the potatoes thoroughly with a vegetable brush or peel the potatoes, and cut into 1 1/2-inch pieces. Peel the onions, and cut into wedges.

Remove the chicken from the oven. Arrange the carrots, celery, potatoes and onions around the chicken. In a 1-quart saucepan, heat the butter over low heat just until melted. (Or place the butter in a small microwavable bowl; cover with a microwavable paper towel and microwave on High 10 to 20 seconds or until melted.) Stir the thyme into the butter, then drizzle over the chicken and vegetables.

Cover the chicken and vegetables with foil; roast 45 to 60 minutes longer or until the thermometer reads 180°F and vegetables are tender when pierced with a fork. Or check for doneness by wiggling the legs; if they move easily, the chicken is done.

Remove the vegetables from the pan, and cover with foil to keep warm while carving the chicken.

Place chicken, breast up and with its legs to your right if you’re right-handed or to the left if left-handed, on cutting board. Remove ties from legs.


INVESTMENT CENTERS OF AMERICA6

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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

The sad reality of aging loved ones declining mentally and/or physically is often stressful and overwhelming for millions of Americans. For those experiencing this scenario, sadness often follows, with 91% reporting depression.1 In addition to the emotional burden, becoming the parent of a parent can also bring a physical toll.

Caregivers report chronic conditions, such as high blood pressure, at nearly twice the rate of other Americans. The pressures of today’s fragmented families also weigh heavily in the mix, with single moms and dads increasingly caring for an aging parent while trying to hold down a day job. For most, that leaves little time for themselves or any chance of having a social life of their own. On top of it all, when regular income isn’t enough, many are forced to tap into their retirement accounts just to pay the bills.

Even when aging parents have the funds to cover their expenses, many fall prey to mistakes and outright fraud. According to the U.S. Office of Community Oriented Policing Services in 2008, consumer fraud estimates show that between 20% and 60% of adults report being a victim of fraud or attempted fraud.2 Older Americans tend to be better targets for scams because they have accumulated a lifetime of assets, and more often than not, they have the spare time to attend seminars and listen to pitches. The problem then cascades down to their adult children who not only must spend time trying to recover lost funds, but also supporting their parents who no longer have the money to care for their own financial needs.

As your parents age, making sure you have legal authority to act swiftly in case of an emergency is imperative. You should consider a durable power of attorney authorizing you to make financial decisions on their behalf, as well as the creation of a living will. Also, explore options for long-term care insurance. Bills for a nursing home or extended home care can easily reach six figures per year. But don’t forget to take care of yourself.

If you are fortunate enough to have these conversations while your parents are still healthy, you will have a greater range of options. For example, you may want to consider making alterations to their living space, whether at your home or theirs. Small things, like adding handrails in the bathroom or replacing stairs with ramps, can really make a difference. When it comes to paying for the care of an elder, it’s important to have a handle on where the financing will come from. Seek assistance from social services and an attorney who specializes in care for the elderly. If you are in a situation where you tap your own or a family member’s assets to pay for elder care costs, it’s important to think about the order in which you are removing funds. Generally speaking, you’ll want to start with withdrawals from taxable accounts first so that tax-deferred accounts can continue to grow. As much as we all want to be there for our parents, it’s imperative that we are diligent with money and don’t put our own retirement goals on the back burner.

There are a host of options and considerations to explore when planning for the cost of elder care and those nuances are best left between you and an a financial representative. The sooner you create a sound financial strategy, the better it can be for your own health.

The Cost of EldercareCaring for elderly parents can cost you financially, emotionally and even physically.

1 Articlesbase, “I Just Can’t Do it Anymore: Depression Associated with Caring for Elderly Parents,” January 16, 20092 U.S. Office of Community Orientation Policing Services, “Financial Crimes Against the Elderly,” April 30, 2008HEC13117 01/15

Investment Centers of America, Inc. is not affiliated with

For more information please call.

Investment Representative,

Border State Bank.

Scott Severson & Michelle Hagen

(218)463-3344

Scott Seversonor Michelle Hagen

16, 2009

Border State Bank1083 3rd St NWRoseau, MN 56751


Homeowners Insurance Offers Financial Protection From Late Winter Water DamageSubmitted 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

With the heavy snow fall this year in multiple states, it is a good time to remember that water damage can generate significant economic losses for homeowners and renters alike, according to the Insurance Information Institute (I.I.I).

Water damage caused by either frozen or burst pipes accounted for 22 percent of all U.S. homeowners insurance losses incurred in 2010, the most recent year for which data is available, according to ISO, a Verisk Analytics company.

“Even a small amount of water can cause serious damage to your home,” said Jeanne M. Salvatore, senior vice president and consumer spokesperson at the I.I.I. “That is why it’s important to have the right type and amount of insurance, including flood insurance.”

Standard homeowners and renters policies provide coverage for burst pipes, wind driven rain and damage resulting from ice dams on your roof. Some policies cover sewer and drain backups, but many do not; however, you can purchase a sewer backup rider to a homeowners or renters policy for around $50 a year, depending on the amount of coverage.

Generally speaking, water that comes from the top down, such as rainfall, is covered by a standard homeowners insurance policy, while water that comes from the bottom up, such as an overflowing river, must be covered by a separate flood insurance policy. Flood insurance can be purchased from the federal government’s National Flood Insurance Program (NFIP), as well as from some private insurers.

The average flood insurance policy costs about $500 a year, according to the NFIP.

For homeowners, the maximum amount of coverage available from the program is $250,000 for damages to the structure of the home, and $100,000 for the contents. There is a 30-day waiting period for a flood insurance policy to go into effect. If you need coverage above and beyond the limits offered by the standard NFIP policy, excess flood insurance is available from a number of private insurance companies.

A standard homeowners insurance policy will cover you for losses related to ice dams, water that is unable to drain properly through the gutters and seeps into the house, causing damage to ceilings and walls.

Homeowners are expected, however, to take reasonable steps to prevent winter-related losses by keeping the house warm and properly maintaining its pipes and drains. Frozen water pipes represent the biggest potential problem for homes. As such, you should insulate all of your home’s pipes, especially those leading to the outside, and follow these additional four tips:

1. Make sure there is clear access to your home’s main water shut-off valve in case there is a leak, or a pipe suddenly bursts.2. When the temperature outside falls below the freezing mark, open your water faucets enough to allow a slow trickle of water; this will maintain the flow of water in the lines and help keep them from freezing.3. Check pipes under sinks to make sure they are getting adequate heat.4. Make sure your home’s heating system is circulating water through the radiator and baseboard heating units to avoid freezing.


From GREENBUSH:Willis Nelson

From ROSEAU:Karen & Bob Granitz

JoAnn Burkel

From THIEF RIVER FALLS:Pamela Hruby

Clark Hendrickson

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 RoomApril 14th - Dancing Master by

Julie KlassenMay 12th - Winter Garden by

Kristen Hannah

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

April 15th – The Boy Who Harnessed the Wind

by William KamkwambaMay 20th – Miss Julia Throws a

Wedding by Ann B RossJune 17th – The Lake of Dreams

by Kim Edwards

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

NN local contact!

BOOK CLUB SCHEDULE:

Mobile Bankingwww.bsbmobile.com

Documents

5 Ways Positive Thinking Can Transform Your Health€¦ · 5 Ways Positive Thinking Can Transform Your Health Border News.....1-2 Northern Neighbor Policies ... Optimism’s benefits