“FOR THE LOVE OF TRAVEL” SPECIAL EDITION

Call
763-788-9351
now to register
for the Travel
Spectacular!
See back page
for details.
N E W S & N OT E S
www.northeastbank-mn.com
Winter 2013
“FOR THE LOVE OF TRAVEL” SPECIAL EDITION
Warm Memories
Fun Beach Reading
by Colleen Corona
• An Embarrassment of Mangoes
by Ann Vanderhoof
It’s amazing how quickly I can be
transported away to memories of
my past travels. By hearing a song,
smelling a certain scent, or just by
standing in a warm summer evening’s breeze and closing my eyes.
For me, the planning process and
anticipation before I depart on
my latest adventure is almost as
enjoyable as the trip itself. And the
memories? The warm memories
have the power to get me through
yet another Minnesota winter.
For this newsletter, we’ve put
together some of our favorite travel
memories. We hope you enjoy sharing our adventures, and take the
time to share your stories with us,
too (see page 4 for more details).
COLLEEN
Favorite domestic destination
outside Minnesota: My favorite
destination within the U.S. would
be Florida. My husband and I visited Sanibel Island, Florida, a few
years back after flying into Fort
Myers. I enjoyed our time biking
around the island, collecting shells
and trying out various restaurants.
Favorite international vacation
destination: I was introduced to the
Caribbean region on a honeymoon
cruise in 1996, and my husband
and I have been going back ever
since. My favorite destination to
date would be the island of Anguilla.
The island does not have a cruise
port or a commercial airport, so
visitors arrive by either small plane
or by taking a ferry over from the
neighboring island of St. Martin. The
relatively remote access to the island
contributes to a very safe and “small
town” feel. We rented a Jeep and
visited nine of the island’s 30+
beaches and climbed down a 25-foot
cliff to access a remote beach.
Wish list domestic vacation
destination: I would like to return
to Washington, D.C., as I was young
when I first visited. I would like to
visit the Supreme Court, National
Hall, the Holocaust Museum and
the Smithsonian Institute.
Wish list international vacation
destination: The next destination I
• A Trip to the Beach
by Melinda Blanchard
would like to visit is the Caribbean
island of St. Lucia. I would like to
stay at Crystals, a resort built into
the hillside that features tree houselike cottages. The resort isn’t located
directly on the beach, but each
cottage has a phenomenal view of
the Piton Mountains. While there,
I would like to secure a cab for the
day to experience the various areas
of the island/local culture, take a day
to climb the Gran Piton and visit
a local chocolate plantation. Did
I mention that I love the vacation
planning process?
Definition of a great vacation: For
me, a great vacation starts with my
husband, the beach, warm weather
and a boutique resort. Visiting
beaches (and sites) off the beaten
path, and staying in a small resort
are important aspects of my vacations. I prefer land vacations where
we can rent a vehicle and be on our
own schedule, trying out various
restaurants and exploring.
continued on page 2 >
F R E E S P I R IT C L U B N E W S & N OT E S
Isla Mujeres, Mex
ico
Maunday’s
Fiji Island
olorado
elle, C
Lake Isab
Cabanas Copal,
Tulum, M
Warm Memories
exico
> continued from page 1
SUE
Favorite domestic destination
outside Minnesota: My favorite
out-of-state destination is Colorado.
When my grandson was 15, I took
him and his friend to Colorado for a
week. We went white water rafting,
hiking and exploring old historic
towns. One of the best experiences
was watching the boys dirt bike
down the mountain at Winter Park
ski resort. The thrill and excitement
on their faces was priceless!
When my husband and I were first
married we also lived in Denver for
a little more than a year. We loved
the weekend drives to the mountains and found the weather to be
great. We had all the seasons that
we love, but the winters did not
get as cold as they do in Minnesota.
Favorite international vacation
destination: My favorite trip outside
the U.S. was to New Zealand. It was
a Free Spirit tour years ago that was
21 days long. We visited Australia,
New Zealand and Fiji. New Zealand
stole my heart; it was the most
romantically beautiful place I have
ever seen. The soft mountains, clear
blue water, and the warm engaging
people have not been beat by any of
my other travels.
Wish list domestic vacation
destination: I would love to visit
New England when the fall colors
are at their peak.
Wish list international vacation
destination: Italy, of course! I want
to travel to Tuscany, taste the wonderful red and white sauces, and
sip the fabulous wines.
Definition of a great vacation: A
great vacation is spent with people
you love, exploring new things.
Laughing, loving and learning.
KRISTY
Favorite domestic destination
outside Minnesota: My favorite
vacation was when my husband,
my kids and I flew to New Smyrna
Beach, Florida. We all stayed in a
condo directly on the beach. We
visited Magic Kingdom, Sea World
and Typhoon Lagoon. We also
fished, played on the beach and
swam in the pool. It was the
perfect family vacation!
Favorite international vacation
destination: A few years ago, my
family flew to Isla Mujeres, Mexico,
for my brother-in-law’s wedding.
In all, there were 70 of us staying
at the same resort. The island was
a mix of very nice resorts and an
“Old Mexico” feel. The beaches
la
Bay, Anguil
were gorgeous and the water was
amazingly clear.
Wish list international vacation
destination: I would love to stay
at the Atlantis Paradise Island
Resort in the Bahamas. If I could
go anywhere, I would visit somewhere with lots of nice beaches
and warm weather.
Definition of a great vacation:
I like a balance of relaxation,
sightseeing and experiencing local
culture. I think it’s important to
travel with friends/family who have
similar interests yet appreciate
doing things separately as well.
DIANE
Favorite domestic destination
outside Minnesota: My daughter
and I went to New York City in
search of “designer purses” and we
found them in underground places.
While there, we did a city tour, harbor tour and saw a Broadway show.
It was fun because we were equally
adventurous.
Favorite international vacation
destination: My husband and I
took a 15-day Heart of Europe
Tour a few years back. We felt that
we were able to see every major
attraction in England, France,
Germany and Italy. We visited
www.northeastbank-mn.com
From the October 2007 issue of Financial Journeys newsletter
Retirement, Stage Two:
IT’S TIME – REALIZE YOUR DREAMS
AND START LIVING THEM
If you forget to switch the alarm
clock off on the first morning after
you retire, what will you do when
it wakes you up? Smile and hit the
snooze button? Or leap up, ready
for a job that no longer needs you?
At first, retirement may seem like
a vacation – a week or a month or
two when you can travel, indulge
in your hobbies, reconnect with
your spouse and relatives. If you hit
the snooze button, perhaps you’re
on the way to making the mental
adjustments needed to make the
most of your new status.
If, however briefly, you wonder what
you can do now that your work is
over, you may need some time to
adjust to your new status. Suddenly,
your time is yours to control, but
your lifestyle has changed, too. Yes,
regular paychecks disappear, but,
more than that, your friends and
colleagues are still in their working
routines, making business decisions,
attending meetings, going to
conferences, interacting with others
in myriad ways. Finally, you’re free
of all that. And you miss it. One
study reports 13% of preretirees
think social connection loss will
be a problem, but 22% of actual
retirees say it really is.
DON’T MISS THE MOMENT
However, this is your time – time to
realize all those retirement dreams
you’ve been investing for over the
years. An AARP study says the prime
period for healthy retirees is between
65 and 74. Vigorous, mentally alert,
physically capable men and women
can climb the 422 steps to the top of
Notre Dame in Paris to inspect the
flying buttresses and the gargoyles,
trek to Uluru/Ayers Rock in Australia
or hike among the mountain peaks in
the higher elevations of the Rockies.
The happiest retirees report
developing a new sense of self by
learning, working at something they
particularly enjoy and checking off
places on their “must-visit” travel
list. The key is the advanced planning and mental preparation they
made to reorient their lives into a
fulfilling retirement mode.
PLANNING AHEAD
If you have made the mental and
social revisions necessary to live life
to the fullest in your early retirement years, you may find this the
ideal time to make adjustments to
your financial plan as well. It could
be time to consider changes that
would create more of an income
stream and preserve your wealth
rather than trying to grow it.
Gary L. Wallstein
Financial Advisor
Investment Management
Consultant
Raymond James Financial
Services, Inc.
Phone: 612-362-3242
Fax: 612-617-1306
[email protected]
Located at Northeast Bank
77 Broadway St. NE
Minneapolis, MN 55413
www.raymondjames.com
Member FINRA/SIPC
Individual solutions from independent advisors
Securities offered through Raymond James
Financial Services, Inc., member FINRA/SIPC,
an independent broker/dealer. Raymond
James is independent of Northeast Bank.
Securities are:
❚ NOT FDIC insured.
❚ NOT GUARANTEED by Northeast Bank.
❚ Subject to risk and may lose value.
I’ll be happy to discuss
portfolio changes or any
other retirement adjustments.
Just call me.
Material prepared by Raymond James for use
by its financial advisors.
> continued from page 2
Buckingham Palace, Trafalgar Square,
the Eiffel Tower, the Vatican and the
Roman Coliseum. We also took a
cruise on the Rhine River, and went
for a gondola ride in Venice. The
sites to see in that rich historic area
go on and on. Our heads were spinning the entire time we were there.
Wish list domestic vacation
destination: If I could visit anywhere in the U.S., I would take
Highway 1 up the West Coast.
Wish list international vacation
destination: If I could go anywhere
in the world for a special vacation,
I would visit either Tahiti/Fiji or
take an African safari.
Definition of a great vacation:
To me, a great vacation starts
with nice weather, fun traveling
companions and minimal travel
hassles. Someplace by the water
is always a plus.
Buckingham Palace, En
gland
2 013 - 14 F R E E S P I R I T C L U B AC T I V I T Y C A L E N DA R
The following activities are tentatively scheduled for members of the
Northeast Free Spirit Club for 2013-14.
DECEMBER 2013
Friday, December 13FREE
Holiday Open House –
All Locations
Free cookies, hot chocolate and coffee.
Saturday, December 21 $79 Each
“All Is Calm” Holiday Tour
J
Minneapolis
JANUARY 2014
January 10 – 17
$1,799 + Each,
Eastern Caribbean Cruise Double
St. Maarten, St. Thomas, Bahamas Cruise prices are subject to change.
FEBRUARY 2014
Wednesday, February 19
FREE
Travel Spectacular
Minneapolis Office
Education Series – TBA
11:30 a.m. – 1:30 p.m.
OR 5:30 – 7:30 p.m.
Register by calling 763-788-9351
(See insert for full details)
JULY 2014
July 20 – 27
$2,299 + Each,
Alaska Inside
Double
Passage Cruise Juneau, Skagway, Ketchikan, Victoria
At the fall Bingo Parties, guests
were invited to share a bit of their
travel history with their peers.
Here are the responses we received
from about 100 participants…
Have you taken a cruise
on a cruise ship before?
If you have cruised, what is your
favorite cruise line?
If you were to take a cruise next
year, where would you go?
Carnival = 14
Royal Caribbean = 12
Holland America = 4
Princess = 3
J = Jefferson Tours
= AAA Travel
= Premier World Discovery
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 Kristy at 612-362-3249.
YES
Bon Voyage!
Norwegian = 14
CANCELLATION POLICY:
Please note that each travel company
has a different cancellation policy, and that
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.
NO
Alaska = 27
Hawaii = 18
Caribbean = 14
Europe = 5
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.com
[email protected]
Mexico = 4
Other = 3
Member FDIC
Free Spirit Club Travel Essay Contest
We invite you to share your favorite travel memory with us! Your
essay can be based on a travel
destination that was local, in-state,
out of state or abroad. It could be
based upon a trip you took last
week or many years ago. Only
one essay per person, please.
Essays may be typed or written in
legible handwriting, and must be
250 words or less. The deadline
for entries is Friday, December 20,
2013. Please drop off or mail your
entry to the following address:
Northeast Free Spirit Club
Travel Essay Contest
77 Broadway Street NE
Minneapolis, MN 55413
We will choose our favorite, and
that individual’s travel essay will
be included in the Spring 2014 Free
Spirit Club newsletter (space permitting),
and also read aloud at each of the Travel
Spectacular events held in February
2014. The author of the winning entry
will receive a $100 Visa® gift card
compliments of the Northeast Free
Spirit Club, and will be identified by
their first name and last initial only.
If you have any questions regarding
this contest, please feel free to contact
Colleen at 612-362-3244.
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: ©Thinkstock, ©iStock, ©Fotolia. ©2013 BlueSpire Strategic Marketing | bluespiremarketing.com