FCB&T Logo
Got a question? Contact us:
Beecher (708) 946-2246 | Peotone (708) 258-0530 | Secure email
Stay Connected. Facebook Twitter YouTube Flickr
Header

November 2012 | Volume 9 | Issue 4

Click to View Stories
FinancialNews Is New and Greener Than Ever | First Community Investment Center News | Mortgage & Housing News
First Community Gold Club News | Eco Challenge #25

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

FinancialNews Is New and Greener Than Ever

We're clearing the clutter and following our own advice about "Going Green!"

FinancialNews will now be delivered to your inbox instead of your mailbox. By switching to an electronic delivery format, we are able to bring you up-to-date bank happenings in a more timely fashion. The newsletter will still have the same great content, including bank news, Gold Club events and dates, Investment Center articles and product/service information. We will also be reducing our environmental impact by eliminating the paper, ink and fuel used to print and distribute the newsletter. We hope you have enjoyed our newsletter in years past and that you will continue to enjoy it in its new format. We would love to hear what you think of the new FinancialNews. Drop us an email to let us know your thoughts! Also, if you have friends or family that might enjoy this newsletter, tell them to click on the link under Resources on our homepage to sign up to receive it too.

Back to Top

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Customer Appreciation Events

View our Customer Appreciation Web Page

Pumpkin Decorating Contest

Pumpkin creations were everywhere! Over 40 kids entered our annual pumpkin decorating contest in Beecher and Peotone with some pretty amazing pumpkins! Three winners were chosen at each location and each received a Free Large Pizza and $10 cash! View our Flickr account to see all the Pumpkins

Here are the winners:

 

3-5 Year Olds

6-8 Year Olds

9-11 Year Olds

Beecher:

Peyton Serafin

Madelynne Openhuis

Brady Serafin

Peotone:

Lily Kreske

Kristen Heintz

Melanie Polowinczak

November Giveaway

There's nothing more frustrating than misplacing your grocery list. Keep it right in front of you while shopping with our List Caddy! It attaches right to the shopping cart handle and holds your list securely. Pick one up in our lobby on Friday or Saturday, November 16 & 17.

November Raffle

Our most popular raffle is back! Visit either location to enter for a chance to win a Toshiba 40" HD LCD TV. The 1080P HD display provides the highest picture quality and will make your favorite TV shows and sporting events jump off the screen. It also features a PC input and USB Media Hub. Sign up until November 28. One winner will be selected on Friday, November 30.

Back to Top

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

First Community Investment Center News

The Top 10 Retirement Planning Excuses
Ten common “reasons” why someone does not plan for retirement.

Provided by Jim Ulman & Clint Squier | Prepared by MarketingLibrary.Net Inc.

#10: “I’m too busy” Stop procrastinating. How does the saying go? The best time to plant a tree is 30 years ago. The second best time is … TODAY.

#9: “It’s too soon” It’s NEVER too soon. The sooner you start planning, the better chance you stand of having the kind of retirement you want.

#8: “It’s too late” Think again. Even if you’ve already retired, it’s important to consider how you’re receiving income and how long it will last.

#7: “I don’t need to” This one baffles me. If you’re simply giving monthly to a savings account and hoping for the best, you may be in for an unpleasant surprise someday.

#6: “I don’t have enough money to get started” Starting small is better than not starting at all, and if you plan well, you’ll eventually have more to work with.

#5: “My finances are a mess” Consider speaking with a Financial Professional who can look at your complete financial picture and help you to develop a plan to make your “mess” work for you.

#4: “The Government will take care of me” If you’re planning to retire on Social Security alone, I would advise you to create a back-up plan at the very least.

#3: “Between my savings and my 401(k), I’ll be fine” Saving for retirement without an income distribution plan could be a mistake. Have you considered inflation? Taxes? If you live to 100, will the money last?

#2: “I don’t want to think about it” If you bite the bullet now and put a firm plan in motion, you may not have to think about it again for quite some time.

#1: “I don’t know how” If you knew everything there was to know about financial planning, you’d probably be a financial advisor yourself. If you’re putting off retirement planning because you don’t know how to begin, consider speaking to a professional who does.

Our Registered Representatives, Jim Ulman and Clint Squier, may be reached at (708) 946-2246.

Jim and Clint

Back to Top

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.

PrimeVest Financial Services, Inc. is an independent, registered broker-dealer and registered investment adviser. Member SIPC/FINRA. Securities and insurance products offered by PrimeVest: - Not FDIC/NCUSIF insured - Not financial institution guaranteed - Not a deposit - Not insured by any federal government agency - May lose Value. See the advice of your tax advisor for your personal tax obligations/benefits. Neither PrimeVest, nor any of its representatives may provide tax advice.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Mortgage Rates Continue at All Time Lows

Although still very tenuous, there are signs that the housing market is stabilizing, even gaining in some parts of the country. According to Fox Business, U.S. home builders' confidence rose to the highest level since the housing market turned down more than six years ago as traffic from prospective home buyers surged. The National Association of Home Builders said that its housing market index rose one point to 41 in October, its strongest level since June 2006.

"Whether you are looking to purchase a new home or to refinance your existing mortgage, the favorable rates can help save hundreds of dollars each month on your mortgage payments," says Mark Sebastian, Vice President of Mortgage Loans at First Community Bank and Trust. "We have several different loan programs to help you achieve your goal of homeownership," he says.

If you are interested in lowering your mortgage payment or finding out how much house you can afford, visit First eMortgage at www.firstcbt.com.

Read more: http://www.foxbusiness.com/news/2012/10/16/us-home-builders-confidence-highest-in-six-years/#ixzz29UQi0hsi

Back to Top

Equal Housing Lender An Equal Housing Lender | Member FDIC

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Gold Club News

Forever Plaid presents: Plaid Tidings

The Center for Visual and Performing Arts, Munster, IN - December 6, 2012.

There are still a few tickets left for this "Plaid-tacular" holiday show! This smash hit musical chronicles the efforts of the famous singing group The Plaids as they try to put a little harmony into a discordant world after being summoned by a heavenly Rosemary Clooney. Cost is $65 per person and includes transportation, lunch and the matinee show.

Contact Irene Brothers for more details at (708) 946-2246 or ibrothers@firstcbt.com.

Back to Top

Our Gold Club is for those customers who are 55 years of age or better and have at least $1,000 in any combination of accounts with our bank. Members receive increased rates on CDs, free check offers, two free dinners per year, and much more. First Community Caravan is open to anyone and can be enjoyed by customers and non-customers alike. If you are interested in signing up for our Gold Club or for one or more of our trips, contact Irene Brothers today at 708.946.2246.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Eco Challenge #26

Shorten the Paper Trail with Recycled Paper

Companies and individuals are quick to tout their dedication to "environmentally friendly" practices, including recycling and using recycled paper. Paper, which includes everything from packaging to mail, makes up the largest percentage of the municipal solid waste stream at 33 percent. It's also one of the most recovered materials, as recycling opportunities are often readily available.

The essence of recycling is the cyclical movement of materials through the system, eliminating waste and the need to extract more virgin materials. Supporting recycling means feeding this loop by not only recycling, but also purchasing recycled products. In order to maximize the environmental benefits of recycling, look at the amount of post-consumer material the product contains. The higher the percentage, the better it is.

Of course, an even better way to conserve resources than recycling is to reduce consumption all together. Easy ways to do this include switching to paperless billing and online payments, saving electronic files for online receipts, bills, bank statements, documents, etc., rather than printing them out, printing on both sides of the paper, removing your name from junk mail lists (The FTC tells you how to do this here.), and using waste paper (the backs of old envelopes, paper from the recycle bin, etc.) for notes, lists and other types of personal reminders.

The Facts About Paper and Paper Recycling (Source: Earth911.com)

  • In 2008, the amount of paper recovered for recycling averaged 340 pounds for every person in the U.S.

  • In 2009, a record-high 63.4 percent of the paper consumed in the U.S. was recovered for recycling. It was the first time the number was over 60 percent.

  • Every ton of paper recycled saves more than 3.3 cubic yards of landfill space.

  • By 2012, the paper industry's goal is to recover 60 percent of all the paper Americans consume for recycling, which is approximately 60 million tons of paper.

  • One million tons of recovered paper is enough to fill more than 14,000 railroad cars.

  • More than 37 percent of the fiber used to make new paper products in the United States comes from recycled sources.

  • 87 percent (approximately 268 million) of Americans have access to curbside or drop-off paper recycling programs.

Back to Top

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -