One of the Strongest Financial Institutions

in the Nationwww.legendsbk.com

Find Us On...Member FDIC

We’re Here for You!Belle • Loose Creek

Owensville • Jefferson CityLinn Motor Bank • Linn • Rolla

Taos • Union • Westphalia

John A. Klebba

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Volume 15, Issue 2 Winter 2020

Shortly before Halloween this year I happened upon an article that was at least as scary as the horror films that were then being aired. It was about the “celebration” of the 90th anniversary of what is commonly referred to as Black Tuesday, October 29, 1929, the beginning of the Great Depression.In terms of a little history, Black Tuesday was preceded by the Roaring 20’s, when stock prices marched steadily upward to unprecedented highs. Many people remained so convinced that it would continue its climb that they borrowed money to invest, often secured by the very stock they were buying, and sometimes at a loan to value of 100%. That worked great as long as the market kept expanding, but when prices did finally turn negative, people were forced to sell their stock to repay their loans, which drove the market even lower, which forced more investors to sell, which lead to an incredible downward spiral in market value.How bad did it get? The market lost 23% of its value just on October 28 & 29, 1929, its worst two day loss in history. The Dow continued to fall from there, and it would take until 1954 – 25 years – for the Dow Jones Industrial Average to again rise to its 1929 peak.Is such a catastrophic event ever likely to reoccur? I think it unlikely, given the structural and regulatory changes that have been instituted since then. However, it is instructive to remember that the market can be quite volatile. Remember the so called dot.com bubble of 1994-2000? It was followed by the dot.com crash of 2000-2004. In the week of April 10-14, 2000, alone, the Nasdaq Composite Index (which was largely composed of technology stocks) declined by 25%.By October 9, 2004 the Nasdaq-100 was down 78% from its peak. It would take years to recover.The reason I bring this up in this article is because I think it important that people learn from history. One of those lessons is that financial diversification

A Lesson in

Financial History

is critically important. While you may want some risky investments, everyone needs safe alternatives. Generally, the portion in safe, nonvolatile savings and investments need to increase as we age. No one wants to lose their nest egg when they need it most.We at Legends Bank are proud of the fact that we hold a 5 star rating with Bauer Financial, making us one of the safest financial institutions in the country. We consistently and purposely hold far more capital than is required, because we want our customers to know they don’t need to worry about the safety of their money when they entrust it to us. We are proud of our 106 years of serving our communities, and are committed to continuing as an independent, locally owned community bank.

We invite you to come enjoy the benefits and peace of mind that comes with doing business with

Legends Bank.Call, drop in or check us out online at

www.legendsbk.comWe hope to hear from you soon.

We Offer A Safe,Fast Mobile Solution

A new way to pay with your Legends Bank Mastercard®. Add your card to your iPhone®, Apple Watch®, iPad®or Mac® and pay simply and securely in stores and online.

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Wyman ElementaryPete Morse of Legends Bank in Rolla presented a check to Wyman Elementary School in support of its Character Education Program. This donation purchased 655 t-shirts for all students, faculty, and staff to wear during assemblies, field trips, and other school functions!

School Spirit Last year Legends Bank began offering school spirit debit cards to its customers. If a customer selected a school spirit card, the $5 fee paid

by the customer became a one-time contribution to the selected school. Legends Bank recently presented school spirit checks to 11

schools. Shown is Neil Loethen of Legends Bank in Linn presenting a check to Linn R-II school.

Lincoln UniversityA proud partner of Lincoln University!

Jefferson City Legends Bank in Jefferson City

grilled hamburgers and hot dogs for tornado victims and

volunteers in Jefferson City.

Welcome BackWelcome Back cakes were delivered to 41 schools in the Legends Bank communities. Shown is Leann Meyer of Legends Bank in Owensville delivering a cake to the Gasconade County R-2 School District. Check out the

Legends Bank website to see morelegendsbk.com

Pay with a Single

Touch using Apple Pay™

• Turn your debit card off / on

• Receive alerts when your debit card is used

• See your account balances without logging in

• Find nearby ATMs

• Submit travel notices

• Enjoy fingerprint access for easy login

Check OutSome of

our Newest Digital

Banking Features

Inside

One of the Strongest Financial Institutions

in the Nationwww.legendsbk.com

Find Us On...Member FDIC

We’re Here for You!Belle • Loose Creek

Owensville • Jefferson CityLinn Motor Bank • Linn • Rolla

Taos • Union • Westphalia

John A. Klebba

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Volume 15, Issue 2 Winter 2020

Shortly before Halloween this year I happened upon an article that was at least as scary as the horror films that were then being aired. It was about the “celebration” of the 90th anniversary of what is commonly referred to as Black Tuesday, October 29, 1929, the beginning of the Great Depression.In terms of a little history, Black Tuesday was preceded by the Roaring 20’s, when stock prices marched steadily upward to unprecedented highs. Many people remained so convinced that it would continue its climb that they borrowed money to invest, often secured by the very stock they were buying, and sometimes at a loan to value of 100%. That worked great as long as the market kept expanding, but when prices did finally turn negative, people were forced to sell their stock to repay their loans, which drove the market even lower, which forced more investors to sell, which lead to an incredible downward spiral in market value.How bad did it get? The market lost 23% of its value just on October 28 & 29, 1929, its worst two day loss in history. The Dow continued to fall from there, and it would take until 1954 – 25 years – for the Dow Jones Industrial Average to again rise to its 1929 peak.Is such a catastrophic event ever likely to reoccur? I think it unlikely, given the structural and regulatory changes that have been instituted since then. However, it is instructive to remember that the market can be quite volatile. Remember the so called dot.com bubble of 1994-2000? It was followed by the dot.com crash of 2000-2004. In the week of April 10-14, 2000, alone, the Nasdaq Composite Index (which was largely composed of technology stocks) declined by 25%.By October 9, 2004 the Nasdaq-100 was down 78% from its peak. It would take years to recover.The reason I bring this up in this article is because I think it important that people learn from history. One of those lessons is that financial diversification

A Lesson in

Financial History

is critically important. While you may want some risky investments, everyone needs safe alternatives. Generally, the portion in safe, nonvolatile savings and investments need to increase as we age. No one wants to lose their nest egg when they need it most.We at Legends Bank are proud of the fact that we hold a 5 star rating with Bauer Financial, making us one of the safest financial institutions in the country. We consistently and purposely hold far more capital than is required, because we want our customers to know they don’t need to worry about the safety of their money when they entrust it to us. We are proud of our 106 years of serving our communities, and are committed to continuing as an independent, locally owned community bank.

We invite you to come enjoy the benefits and peace of mind that comes with doing business with

Legends Bank.Call, drop in or check us out online at

www.legendsbk.comWe hope to hear from you soon.

We Offer A Safe,Fast Mobile Solution

A new way to pay with your Legends Bank Mastercard®. Add your card to your iPhone®, Apple Watch®, iPad®or Mac® and pay simply and securely in stores and online.

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Wyman ElementaryPete Morse of Legends Bank in Rolla presented a check to Wyman Elementary School in support of its Character Education Program. This donation purchased 655 t-shirts for all students, faculty, and staff to wear during assemblies, field trips, and other school functions!

School Spirit Last year Legends Bank began offering school spirit debit cards to its customers. If a customer selected a school spirit card, the $5 fee paid

by the customer became a one-time contribution to the selected school. Legends Bank recently presented school spirit checks to 11

schools. Shown is Neil Loethen of Legends Bank in Linn presenting a check to Linn R-II school.

Lincoln UniversityA proud partner of Lincoln University!

Jefferson City Legends Bank in Jefferson City

grilled hamburgers and hot dogs for tornado victims and

volunteers in Jefferson City.

Welcome BackWelcome Back cakes were delivered to 41 schools in the Legends Bank communities. Shown is Leann Meyer of Legends Bank in Owensville delivering a cake to the Gasconade County R-2 School District. Check out the

Legends Bank website to see morelegendsbk.com

Pay with a Single

Touch using Apple Pay™

• Turn your debit card off / on

• Receive alerts when your debit card is used

• See your account balances without logging in

• Find nearby ATMs

• Submit travel notices

• Enjoy fingerprint access for easy login

Check OutSome of

our Newest Digital

Banking Features

Inside

One of the Strongest Financial Institutions

in the Nationwww.legendsbk.com

Find Us On...Member FDIC

We’re Here for You!Belle • Loose Creek

Owensville • Jefferson CityLinn Motor Bank • Linn • Rolla

Taos • Union • Westphalia

John A. Klebba

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Volume 15, Issue 2 Winter 2020

Shortly before Halloween this year I happened upon an article that was at least as scary as the horror films that were then being aired. It was about the “celebration” of the 90th anniversary of what is commonly referred to as Black Tuesday, October 29, 1929, the beginning of the Great Depression.In terms of a little history, Black Tuesday was preceded by the Roaring 20’s, when stock prices marched steadily upward to unprecedented highs. Many people remained so convinced that it would continue its climb that they borrowed money to invest, often secured by the very stock they were buying, and sometimes at a loan to value of 100%. That worked great as long as the market kept expanding, but when prices did finally turn negative, people were forced to sell their stock to repay their loans, which drove the market even lower, which forced more investors to sell, which lead to an incredible downward spiral in market value.How bad did it get? The market lost 23% of its value just on October 28 & 29, 1929, its worst two day loss in history. The Dow continued to fall from there, and it would take until 1954 – 25 years – for the Dow Jones Industrial Average to again rise to its 1929 peak.Is such a catastrophic event ever likely to reoccur? I think it unlikely, given the structural and regulatory changes that have been instituted since then. However, it is instructive to remember that the market can be quite volatile. Remember the so called dot.com bubble of 1994-2000? It was followed by the dot.com crash of 2000-2004. In the week of April 10-14, 2000, alone, the Nasdaq Composite Index (which was largely composed of technology stocks) declined by 25%.By October 9, 2004 the Nasdaq-100 was down 78% from its peak. It would take years to recover.The reason I bring this up in this article is because I think it important that people learn from history. One of those lessons is that financial diversification

A Lesson in

Financial History

is critically important. While you may want some risky investments, everyone needs safe alternatives. Generally, the portion in safe, nonvolatile savings and investments need to increase as we age. No one wants to lose their nest egg when they need it most.We at Legends Bank are proud of the fact that we hold a 5 star rating with Bauer Financial, making us one of the safest financial institutions in the country. We consistently and purposely hold far more capital than is required, because we want our customers to know they don’t need to worry about the safety of their money when they entrust it to us. We are proud of our 106 years of serving our communities, and are committed to continuing as an independent, locally owned community bank.

We invite you to come enjoy the benefits and peace of mind that comes with doing business with

Legends Bank.Call, drop in or check us out online at

www.legendsbk.comWe hope to hear from you soon.

We Offer A Safe,Fast Mobile Solution

A new way to pay with your Legends Bank Mastercard®. Add your card to your iPhone®, Apple Watch®, iPad®or Mac® and pay simply and securely in stores and online.

WE OFFER A SAFE, FAST MOBILE SOLUTIONTurn your debit card off / on

Receive alerts when your debit card is used

See your account balances without logging in

Find nearby ATMs

Submit travelnotices

Enjoy fingerprint access for easy login

Download SHAZAM BOLT$ from your device’s app store today!

Wyman ElementaryPete Morse of Legends Bank in Rolla presented a check to Wyman Elementary School in support of its Character Education Program. This donation purchased 655 t-shirts for all students, faculty, and staff to wear during assemblies, field trips, and other school functions!

School Spirit Last year Legends Bank began offering school spirit debit cards to its customers. If a customer selected a school spirit card, the $5 fee paid

by the customer became a one-time contribution to the selected school. Legends Bank recently presented school spirit checks to 11

schools. Shown is Neil Loethen of Legends Bank in Linn presenting a check to Linn R-II school.

Lincoln UniversityA proud partner of Lincoln University!

Jefferson City Legends Bank in Jefferson City

grilled hamburgers and hot dogs for tornado victims and

volunteers in Jefferson City.

Welcome BackWelcome Back cakes were delivered to 41 schools in the Legends Bank communities. Shown is Leann Meyer of Legends Bank in Owensville delivering a cake to the Gasconade County R-2 School District. Check out the

Legends Bank website to see morelegendsbk.com

Pay with a Single

Touch using Apple Pay™

• Turn your debit card off / on

• Receive alerts when your debit card is used

• See your account balances without logging in

• Find nearby ATMs

• Submit travel notices

• Enjoy fingerprint access for easy login

Check OutSome of

our Newest Digital

Banking Features

Inside

As director of The Advantage Club I am always excited to reveal the upcoming year’s travel and event calendar! Check out the 2020 calendar located to the left of this article if you’re seeking fun and adventure!

A morning of fun describes our quarterly Lunch and Learns. We start with Bingo, have an interesting guest speaker, and end with a wonderful lunch. These are held at the Osage County Community Center in Linn.

If you like to travel, the 2020 lineup includes five day trips. On the Best of Missouri Life Market Fair at Powell Gardens, you will see the best craftsman, brewers, distillers, artisans and winemakers Missouri has to offer at the third annual market fair, planned in collaboration with Missouri Life Magazine. You can feel like royalty on A Day Fit for a Queen, the 2020 ladies’ day out. If you love the theatre, we’re headed to Stages Theatre to see Always…Patsy Cline, where you’ll enjoy the music of this legendary county singer set to the story of Cline’s close friendship with Texas housewife, Louise Seger. Our annual Grandparents’ Trip is to the Sight and Sound Theatre in Branson, where you’ll have a behind the scenes tour before seeing Noah. Plus, we’ll visit The Track Family Fun Park where you and your grandchild can ride the Branson Ferris Wheel, go-carts and bumper cars before heading to the theatre. On our always popular Mystery Trip, you’ll need to watch for clues to determine the destination!

If you want to get away for a night, join us for Entertainment, Fun and Patriotism in Branson during their week long salute to veterans.

Here you’ll see a Dutton Family show, the annual Veterans Day parade, and tour the patriotic memorials at College of the Ozarks. On our 2 night/3 day Luxurious Autumn Getaway you will enjoy the fabulous history and vibrant lifestyles of an amazing destination and stay in an awe-inspiring restored landmark hotel listed in the National Register of Historic Places. Anytime is a great time to travel, but Fall is a favorite time for many!

Our three extended trips include diverse destinations. You can hop aboard for a 5 night/6 day motor coach trip to Lafayette, Louisiana, labeled the “Happiest City in America”. Here you’ll tour Southern Louisiana and celebrate Mardi Gras in the heart of Cajun County! On our Canadian Rockies tour you will have a remarkable journey through the stunning landscapes, charming towns and beautiful lakes of the Canadian Rockies. Our holiday trip in December takes you to Nashville, Asheville and Louisville. Here you’ll see and experience the breathtaking Biltmore Estate during Christmastime and stay at some of the South’s most famous and luxurious accommodations.

Fun seekers…check out the calendar! The Advantage Club has something for everyone!

If you would like more information on The Advantage Club, please contact me at573-417-0276 or by email atmagelven@legendsbk.com.

You can find details on trips and Lunch and Learns on the Legends Bank websitewww.legendsbk.com.

Mary Ann Gelven

You’ll enjoy our legendary package of financial services,

PLUS savings on travel.

Fun Seekers, Listen Up!

LegendaryStacey Kelly

Join Today!ADVANTAGE CLUB

Calendar2020 Events

Jan 8th... Bingo Party - LinnJan 15th... Bingo Party - OwensvilleFeb 12th... Lunch and LearnFeb 20 - 26th... Cajun Country & Mardi Gras April 25th... Best of Missouri Life

Market Fair at Powell GardensMay 20th... Lunch and LearnJune 10th... A Day Fit for a QueenJune 26 - July 5th... Canadian Rockies Aug 5th... Thrills and Excitement in Branson – Grandparents’ TripAug 12th... Lunch and LearnSept 9th... Mystery Trip Sept 23rd... Stages Theatre

Always…Patsy ClineOct 14-16th... A Luxurious Autumn Getaway Nov 10-11th... Entertainment, Fun

and Patriotism in BransonNov 18th... Lunch and Learn Nov 28 - Dec 2nd...Christmas in Nashville - Asheville - Louisville

This is just one of many topics regarding your financial well-being. To discuss your specific financial needs, contact Neil today!

Do you have a tendency to push off important tasks? Do you do things at the last minute, or maybe not do them at all? If so, you’re not alone. About one in five adults is a chronic procrastinator.1

Procrastination can be frustrating in the short term for even the simplest tasks. But it can have far-reaching effects on important activities and decisions such as completing work projects, obtaining medical treatment, and saving for retirement. Recent research offers insights that may be helpful if you or someone you know has a tendency to procrastinate.

Blame the brainA study using brain scans found that the amygdala, the almond-shaped structure in the temporal lobe of the brain that processes emotions (including fear), was larger in chronic procrastinators, and there were weaker connections between the amygdala and a part of the brain called the dorsal anterior cingulate cortex (DACC). The amygdala warns of potential dangers, and the DACC processes information from the amygdala and decides what action a body will take.2

According to the researchers, procrastinators may feel more anxiety about the potential negative effects of an action and be less able to filter out interfering emotions and distractions. The good news is that it is possible to shrink the amygdala and improve brain connectivity through mindfulness meditation exercises.3

What’s important to you?Another recent study found that people were less likely to procrastinate about tasks that they personally considered important and were within their own control, as opposed to tasks that were assigned to them and/or controlled by others. This is probably not surprising, but it suggests that procrastination may not be a “weakness” but rather a result of personal values and choices.4

Tips for procrastinators

Here are a few suggestions that may help overcome a tendency to procrastinate.

Consider the triggers. One researcher found that people are more likely to procrastinate if a task is characterized by one or more of these seven triggers: boring, frustrating, difficult, ambiguous, unstructured, not intrinsically rewarding, or lacking in personal meaning.5 You might try to identify the triggers that are holding you back and take steps to address those specific problems. For example, if a task seems too difficult, ambiguous, or unstructured, you could break it down into smaller, more definite, and manageable tasks.

Meet your resistance. If you don’t want to work on a task for an hour, determine how long you are willing to work on it. Can you work on it for 30 minutes? What about 15? If you don’t want to do it today, what day would be better?

List the costs and benefits. For big projects, such as saving for retirement, make a list of all the negative ways not making progress could affect your life and all the positive outcomes if you were to achieve your objectives. Imagine yourself succeeding.

Take the plunge. Although a big project may seem daunting, getting a start — any start — could reduce the anxiety. This might be just a small first step: a list, a phone call, an email, or some Internet research. For a written project, you might start with a rough draft, knowing you can polish and improve it later.

Forgive yourself. If you’ve postponed a task, don’t waste time feeling guilty. In most cases, “better late than never” really does apply!

1 Frontiers in Psychology, July 5, 2018 | 2-3 BBC News, August 26, 20184 Psychology Today, January 9, 2018 | 5 Harvard Business Review, October 4, 2017

Why Not

Do It Now?

New Research

on Procrastination

Neil Loethen*Investment Representative573-897-2204P.O. Box 888200 E. Main St.Linn, MO 65051nloethen@sagepointadvisor.com

This issues Legendary employee is Stacey Kelly, who works as an assistant loan officer in our Belle branch. Stacey started her career with Legends Bank 25 years ago after graduating from Linn State Technical College. She was hired as a teller and trained at the main bank in Linn, then became a full-time customer service representative at the Belle branch. Stacey eventually transferred into lending and advanced to an assistant loan officer, where she works on customer lending needs, generally in the Belle/Bland service area.

During her 25 years in banking Stacey has seen a lot of change in the banking process, primarily due to technology. When she started as a teller, Friday was pay day and everyone went straight to the bank after work to cash or deposit their checks. The lobby was packed with customers, as well as both drive through lanes. With pay checks automatically deposited, internet banking, and ATM’s, there is considerably less pay day traffic. One thing that hasn’t

changed is the personal service Stacey takes pride in. Stacey said after working with her customers for 25 years they feel like family. “They have seen my kids grow up and been through life changes in my life as well as I have in theirs. I like knowing my customers on a personal level and knowing they have trust in me. I like to meet new customers and seeing old ones.”

Stacey is a lifelong resident of the Belle/Bland area. She and her husband Don have been married for 25 years and have a son, Jesse, and a daughter, Jamey. Stacey has always been involved in her community. While her children were in elementary and high school she donated time to numerous school related organizations, and is now involved with the Belle Community Betterment Association.

We extend our thanks to Stacey for her 25 years of service and commitment to her community and the banking industry.

Growing To

Better Serve You

Due to both past and projected growth, we are in the initial phases of a 13,000 square foot expansion of our headquarters in Linn. The expansion started with the demolition on the building located east of the current Legends Bank headquarters. Construction of the new building will start in 2020 with the grand opening scheduled in late 2020.

As director of The Advantage Club I am always excited to reveal the upcoming year’s travel and event calendar! Check out the 2020 calendar located to the left of this article if you’re seeking fun and adventure!

A morning of fun describes our quarterly Lunch and Learns. We start with Bingo, have an interesting guest speaker, and end with a wonderful lunch. These are held at the Osage County Community Center in Linn.

If you like to travel, the 2020 lineup includes five day trips. On the Best of Missouri Life Market Fair at Powell Gardens, you will see the best craftsman, brewers, distillers, artisans and winemakers Missouri has to offer at the third annual market fair, planned in collaboration with Missouri Life Magazine. You can feel like royalty on A Day Fit for a Queen, the 2020 ladies’ day out. If you love the theatre, we’re headed to Stages Theatre to see Always…Patsy Cline, where you’ll enjoy the music of this legendary county singer set to the story of Cline’s close friendship with Texas housewife, Louise Seger. Our annual Grandparents’ Trip is to the Sight and Sound Theatre in Branson, where you’ll have a behind the scenes tour before seeing Noah. Plus, we’ll visit The Track Family Fun Park where you and your grandchild can ride the Branson Ferris Wheel, go-carts and bumper cars before heading to the theatre. On our always popular Mystery Trip, you’ll need to watch for clues to determine the destination!

If you want to get away for a night, join us for Entertainment, Fun and Patriotism in Branson during their week long salute to veterans.

Here you’ll see a Dutton Family show, the annual Veterans Day parade, and tour the patriotic memorials at College of the Ozarks. On our 2 night/3 day Luxurious Autumn Getaway you will enjoy the fabulous history and vibrant lifestyles of an amazing destination and stay in an awe-inspiring restored landmark hotel listed in the National Register of Historic Places. Anytime is a great time to travel, but Fall is a favorite time for many!

Our three extended trips include diverse destinations. You can hop aboard for a 5 night/6 day motor coach trip to Lafayette, Louisiana, labeled the “Happiest City in America”. Here you’ll tour Southern Louisiana and celebrate Mardi Gras in the heart of Cajun County! On our Canadian Rockies tour you will have a remarkable journey through the stunning landscapes, charming towns and beautiful lakes of the Canadian Rockies. Our holiday trip in December takes you to Nashville, Asheville and Louisville. Here you’ll see and experience the breathtaking Biltmore Estate during Christmastime and stay at some of the South’s most famous and luxurious accommodations.

Fun seekers…check out the calendar! The Advantage Club has something for everyone!

If you would like more information on The Advantage Club, please contact me at573-417-0276 or by email atmagelven@legendsbk.com.

You can find details on trips and Lunch and Learns on the Legends Bank websitewww.legendsbk.com.

Mary Ann Gelven

You’ll enjoy our legendary package of financial services,

PLUS savings on travel.

Fun Seekers, Listen Up!

LegendaryStacey Kelly

Join Today!ADVANTAGE CLUB

Calendar2020 Events

Jan 8th... Bingo Party - LinnJan 15th... Bingo Party - OwensvilleFeb 12th... Lunch and LearnFeb 20 - 26th... Cajun Country & Mardi Gras April 25th... Best of Missouri Life

Market Fair at Powell GardensMay 20th... Lunch and LearnJune 10th... A Day Fit for a QueenJune 26 - July 5th... Canadian Rockies Aug 5th... Thrills and Excitement in Branson – Grandparents’ TripAug 12th... Lunch and LearnSept 9th... Mystery Trip Sept 23rd... Stages Theatre

Always…Patsy ClineOct 14-16th... A Luxurious Autumn Getaway Nov 10-11th... Entertainment, Fun

and Patriotism in BransonNov 18th... Lunch and Learn Nov 28 - Dec 2nd...Christmas in Nashville - Asheville - Louisville

This is just one of many topics regarding your financial well-being. To discuss your specific financial needs, contact Neil today!

Do you have a tendency to push off important tasks? Do you do things at the last minute, or maybe not do them at all? If so, you’re not alone. About one in five adults is a chronic procrastinator.1

Procrastination can be frustrating in the short term for even the simplest tasks. But it can have far-reaching effects on important activities and decisions such as completing work projects, obtaining medical treatment, and saving for retirement. Recent research offers insights that may be helpful if you or someone you know has a tendency to procrastinate.

Blame the brainA study using brain scans found that the amygdala, the almond-shaped structure in the temporal lobe of the brain that processes emotions (including fear), was larger in chronic procrastinators, and there were weaker connections between the amygdala and a part of the brain called the dorsal anterior cingulate cortex (DACC). The amygdala warns of potential dangers, and the DACC processes information from the amygdala and decides what action a body will take.2

According to the researchers, procrastinators may feel more anxiety about the potential negative effects of an action and be less able to filter out interfering emotions and distractions. The good news is that it is possible to shrink the amygdala and improve brain connectivity through mindfulness meditation exercises.3

What’s important to you?Another recent study found that people were less likely to procrastinate about tasks that they personally considered important and were within their own control, as opposed to tasks that were assigned to them and/or controlled by others. This is probably not surprising, but it suggests that procrastination may not be a “weakness” but rather a result of personal values and choices.4

Tips for procrastinators

Here are a few suggestions that may help overcome a tendency to procrastinate.

Consider the triggers. One researcher found that people are more likely to procrastinate if a task is characterized by one or more of these seven triggers: boring, frustrating, difficult, ambiguous, unstructured, not intrinsically rewarding, or lacking in personal meaning.5 You might try to identify the triggers that are holding you back and take steps to address those specific problems. For example, if a task seems too difficult, ambiguous, or unstructured, you could break it down into smaller, more definite, and manageable tasks.

Meet your resistance. If you don’t want to work on a task for an hour, determine how long you are willing to work on it. Can you work on it for 30 minutes? What about 15? If you don’t want to do it today, what day would be better?

List the costs and benefits. For big projects, such as saving for retirement, make a list of all the negative ways not making progress could affect your life and all the positive outcomes if you were to achieve your objectives. Imagine yourself succeeding.

Take the plunge. Although a big project may seem daunting, getting a start — any start — could reduce the anxiety. This might be just a small first step: a list, a phone call, an email, or some Internet research. For a written project, you might start with a rough draft, knowing you can polish and improve it later.

Forgive yourself. If you’ve postponed a task, don’t waste time feeling guilty. In most cases, “better late than never” really does apply!

1 Frontiers in Psychology, July 5, 2018 | 2-3 BBC News, August 26, 20184 Psychology Today, January 9, 2018 | 5 Harvard Business Review, October 4, 2017

Why Not

Do It Now?

New Research

on Procrastination

Neil Loethen*Investment Representative573-897-2204P.O. Box 888200 E. Main St.Linn, MO 65051nloethen@sagepointadvisor.com

This issues Legendary employee is Stacey Kelly, who works as an assistant loan officer in our Belle branch. Stacey started her career with Legends Bank 25 years ago after graduating from Linn State Technical College. She was hired as a teller and trained at the main bank in Linn, then became a full-time customer service representative at the Belle branch. Stacey eventually transferred into lending and advanced to an assistant loan officer, where she works on customer lending needs, generally in the Belle/Bland service area.

During her 25 years in banking Stacey has seen a lot of change in the banking process, primarily due to technology. When she started as a teller, Friday was pay day and everyone went straight to the bank after work to cash or deposit their checks. The lobby was packed with customers, as well as both drive through lanes. With pay checks automatically deposited, internet banking, and ATM’s, there is considerably less pay day traffic. One thing that hasn’t

changed is the personal service Stacey takes pride in. Stacey said after working with her customers for 25 years they feel like family. “They have seen my kids grow up and been through life changes in my life as well as I have in theirs. I like knowing my customers on a personal level and knowing they have trust in me. I like to meet new customers and seeing old ones.”

Stacey is a lifelong resident of the Belle/Bland area. She and her husband Don have been married for 25 years and have a son, Jesse, and a daughter, Jamey. Stacey has always been involved in her community. While her children were in elementary and high school she donated time to numerous school related organizations, and is now involved with the Belle Community Betterment Association.

We extend our thanks to Stacey for her 25 years of service and commitment to her community and the banking industry.

Growing To

Better Serve You

Due to both past and projected growth, we are in the initial phases of a 13,000 square foot expansion of our headquarters in Linn. The expansion started with the demolition on the building located east of the current Legends Bank headquarters. Construction of the new building will start in 2020 with the grand opening scheduled in late 2020.

As director of The Advantage Club I am always excited to reveal the upcoming year’s travel and event calendar! Check out the 2020 calendar located to the left of this article if you’re seeking fun and adventure!

A morning of fun describes our quarterly Lunch and Learns. We start with Bingo, have an interesting guest speaker, and end with a wonderful lunch. These are held at the Osage County Community Center in Linn.

If you like to travel, the 2020 lineup includes five day trips. On the Best of Missouri Life Market Fair at Powell Gardens, you will see the best craftsman, brewers, distillers, artisans and winemakers Missouri has to offer at the third annual market fair, planned in collaboration with Missouri Life Magazine. You can feel like royalty on A Day Fit for a Queen, the 2020 ladies’ day out. If you love the theatre, we’re headed to Stages Theatre to see Always…Patsy Cline, where you’ll enjoy the music of this legendary county singer set to the story of Cline’s close friendship with Texas housewife, Louise Seger. Our annual Grandparents’ Trip is to the Sight and Sound Theatre in Branson, where you’ll have a behind the scenes tour before seeing Noah. Plus, we’ll visit The Track Family Fun Park where you and your grandchild can ride the Branson Ferris Wheel, go-carts and bumper cars before heading to the theatre. On our always popular Mystery Trip, you’ll need to watch for clues to determine the destination!

If you want to get away for a night, join us for Entertainment, Fun and Patriotism in Branson during their week long salute to veterans.

Here you’ll see a Dutton Family show, the annual Veterans Day parade, and tour the patriotic memorials at College of the Ozarks. On our 2 night/3 day Luxurious Autumn Getaway you will enjoy the fabulous history and vibrant lifestyles of an amazing destination and stay in an awe-inspiring restored landmark hotel listed in the National Register of Historic Places. Anytime is a great time to travel, but Fall is a favorite time for many!

Our three extended trips include diverse destinations. You can hop aboard for a 5 night/6 day motor coach trip to Lafayette, Louisiana, labeled the “Happiest City in America”. Here you’ll tour Southern Louisiana and celebrate Mardi Gras in the heart of Cajun County! On our Canadian Rockies tour you will have a remarkable journey through the stunning landscapes, charming towns and beautiful lakes of the Canadian Rockies. Our holiday trip in December takes you to Nashville, Asheville and Louisville. Here you’ll see and experience the breathtaking Biltmore Estate during Christmastime and stay at some of the South’s most famous and luxurious accommodations.

Fun seekers…check out the calendar! The Advantage Club has something for everyone!

If you would like more information on The Advantage Club, please contact me at573-417-0276 or by email atmagelven@legendsbk.com.

You can find details on trips and Lunch and Learns on the Legends Bank websitewww.legendsbk.com.

Mary Ann Gelven

You’ll enjoy our legendary package of financial services,

PLUS savings on travel.

Fun Seekers, Listen Up!

LegendaryStacey Kelly

Join Today!ADVANTAGE CLUB

Calendar2020 Events

Jan 8th... Bingo Party - LinnJan 15th... Bingo Party - OwensvilleFeb 12th... Lunch and LearnFeb 20 - 26th... Cajun Country & Mardi Gras April 25th... Best of Missouri Life

Market Fair at Powell GardensMay 20th... Lunch and LearnJune 10th... A Day Fit for a QueenJune 26 - July 5th... Canadian Rockies Aug 5th... Thrills and Excitement in Branson – Grandparents’ TripAug 12th... Lunch and LearnSept 9th... Mystery Trip Sept 23rd... Stages Theatre

Always…Patsy ClineOct 14-16th... A Luxurious Autumn Getaway Nov 10-11th... Entertainment, Fun

and Patriotism in BransonNov 18th... Lunch and Learn Nov 28 - Dec 2nd...Christmas in Nashville - Asheville - Louisville

This is just one of many topics regarding your financial well-being. To discuss your specific financial needs, contact Neil today!

Do you have a tendency to push off important tasks? Do you do things at the last minute, or maybe not do them at all? If so, you’re not alone. About one in five adults is a chronic procrastinator.1

Procrastination can be frustrating in the short term for even the simplest tasks. But it can have far-reaching effects on important activities and decisions such as completing work projects, obtaining medical treatment, and saving for retirement. Recent research offers insights that may be helpful if you or someone you know has a tendency to procrastinate.

Blame the brainA study using brain scans found that the amygdala, the almond-shaped structure in the temporal lobe of the brain that processes emotions (including fear), was larger in chronic procrastinators, and there were weaker connections between the amygdala and a part of the brain called the dorsal anterior cingulate cortex (DACC). The amygdala warns of potential dangers, and the DACC processes information from the amygdala and decides what action a body will take.2

According to the researchers, procrastinators may feel more anxiety about the potential negative effects of an action and be less able to filter out interfering emotions and distractions. The good news is that it is possible to shrink the amygdala and improve brain connectivity through mindfulness meditation exercises.3

What’s important to you?Another recent study found that people were less likely to procrastinate about tasks that they personally considered important and were within their own control, as opposed to tasks that were assigned to them and/or controlled by others. This is probably not surprising, but it suggests that procrastination may not be a “weakness” but rather a result of personal values and choices.4

Tips for procrastinators

Here are a few suggestions that may help overcome a tendency to procrastinate.

Consider the triggers. One researcher found that people are more likely to procrastinate if a task is characterized by one or more of these seven triggers: boring, frustrating, difficult, ambiguous, unstructured, not intrinsically rewarding, or lacking in personal meaning.5 You might try to identify the triggers that are holding you back and take steps to address those specific problems. For example, if a task seems too difficult, ambiguous, or unstructured, you could break it down into smaller, more definite, and manageable tasks.

Meet your resistance. If you don’t want to work on a task for an hour, determine how long you are willing to work on it. Can you work on it for 30 minutes? What about 15? If you don’t want to do it today, what day would be better?

List the costs and benefits. For big projects, such as saving for retirement, make a list of all the negative ways not making progress could affect your life and all the positive outcomes if you were to achieve your objectives. Imagine yourself succeeding.

Take the plunge. Although a big project may seem daunting, getting a start — any start — could reduce the anxiety. This might be just a small first step: a list, a phone call, an email, or some Internet research. For a written project, you might start with a rough draft, knowing you can polish and improve it later.

Forgive yourself. If you’ve postponed a task, don’t waste time feeling guilty. In most cases, “better late than never” really does apply!

1 Frontiers in Psychology, July 5, 2018 | 2-3 BBC News, August 26, 20184 Psychology Today, January 9, 2018 | 5 Harvard Business Review, October 4, 2017

Why Not

Do It Now?

New Research

on Procrastination

Neil Loethen*Investment Representative573-897-2204P.O. Box 888200 E. Main St.Linn, MO 65051nloethen@sagepointadvisor.com

This issues Legendary employee is Stacey Kelly, who works as an assistant loan officer in our Belle branch. Stacey started her career with Legends Bank 25 years ago after graduating from Linn State Technical College. She was hired as a teller and trained at the main bank in Linn, then became a full-time customer service representative at the Belle branch. Stacey eventually transferred into lending and advanced to an assistant loan officer, where she works on customer lending needs, generally in the Belle/Bland service area.

During her 25 years in banking Stacey has seen a lot of change in the banking process, primarily due to technology. When she started as a teller, Friday was pay day and everyone went straight to the bank after work to cash or deposit their checks. The lobby was packed with customers, as well as both drive through lanes. With pay checks automatically deposited, internet banking, and ATM’s, there is considerably less pay day traffic. One thing that hasn’t

changed is the personal service Stacey takes pride in. Stacey said after working with her customers for 25 years they feel like family. “They have seen my kids grow up and been through life changes in my life as well as I have in theirs. I like knowing my customers on a personal level and knowing they have trust in me. I like to meet new customers and seeing old ones.”

Stacey is a lifelong resident of the Belle/Bland area. She and her husband Don have been married for 25 years and have a son, Jesse, and a daughter, Jamey. Stacey has always been involved in her community. While her children were in elementary and high school she donated time to numerous school related organizations, and is now involved with the Belle Community Betterment Association.

We extend our thanks to Stacey for her 25 years of service and commitment to her community and the banking industry.

Growing To

Better Serve You

Due to both past and projected growth, we are in the initial phases of a 13,000 square foot expansion of our headquarters in Linn. The expansion started with the demolition on the building located east of the current Legends Bank headquarters. Construction of the new building will start in 2020 with the grand opening scheduled in late 2020.