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August 2013 | Volume 10 | Issue 8

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Going to College This Fall?

Attend This Crash Course in Financial Fitness

Heading to college is an exciting, challenging, frightening, and even frustrating experience for both students and parents. There are so many unknowns that can only be answered once the move has been made, such as roommate compatibility, class scheduling, and how many pairs of jeans are actually needed. But don't wait until then to prepare for the financial issues that loom ahead. If you’re a college-bound student and don't know what a credit card APR is, or have never learned to budget, then it's time for a crash course in Financial Fitness.

The College Board estimates that the average published tuition and fees for in-state students at public four-year colleges and universities increased from $8,256 in 2011-12 to $8,655 in 2012-13. Average published tuition and fees for out-of-state students at public four-year colleges and universities increased by $883, from $20,823 in 2011-12 to $21,706 in 2012-13. These numbers do not include housing and variable costs, such as books, transportation, supplies and that all-encompassing "other" expense category, that often cause the most financial stress for a college student. Learning to budget and to use financial tools wisely will reinforce the concept of "living within your means" during the lean collegiate years and will also establish healthy money management habits that will last long after graduation.

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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 and Clint Squier, First Community Investment Center
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.

There are all kinds of reasons why we ignore or pay less attention than we should to our retirement and our future. Many of the above examples are words we hear each and every week. Let us show you how your retirement planning can be tackled and put on the right track for the future. Give us a call today. Clint Squier and Jim Ulman may be reached at (708) 946-2246.

Clint Squier and Jim Ulman may be reached at 708/946-2246

Jim and Clint

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This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. All information is believed to be from reliable sources; however we make no representation as to its completeness or accuracy. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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First Community Gold Club News

 

A Day at the Flea Market

Shipshewana, IN

Get a group of your friends and come join all your First Community Bank and Trust friends for a day of browsing the many booths – antiques, clothing, kitchen farmers market, bakery good, fudge, etc.

We will embark on our journey, Tuesday, October 1, 2013.   Our departure time from Peotone will be 8:15 a.m. and Beecher 8:45 a.m.   We will depart for our return home at 3:30 p.m.  The cost of the trip will be $30.00, which includes your transportation and goodies on the bus.  Once at the flea market you will be on your own.

Contact Marcia at 708-946-2246 for reservations.  We will need to have a minimum of 40 people to take the trip.  I will need final count and confirmation by September 17th or the trip will be cancelled.

 

A Christmas Carol - The Musical

Theatre at the Center - Munster, IN

Com join us for a day at the theater as the ghosts visit Ebenezer Scrooge on Christmas Eve and he get a chance for redemption as the we (the audience) revels in the story’s emotional power and joy that comes with the memorable music.  It’s a perfect way to get into the Christmas Holliday spirit!

Take Note the date for this event is TUESDAY, DECEMBER 3RD.  Show was sold out for all Thursday matinees.  Cost of the trip will be $70.00, which includes transportation, lunch (your choice of Roast Turkey with Gravy or Roast Sirloin of Beef with Gravy –just must be given at time of reservation), and show.

Please call Marcia or Irene at 708-946-2246 for reservations.

 

View First Community Gold Club Web Page

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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

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2013 Customer Appreciation

 

Movie Night with the BYC!

We're teaming up with the Beecher Youth Commission for our annual Movie Night! The movie night will be at Firemen’s Park on August 17th. Feature presentation starts at dusk. We will be showing the hilarious movie Despicable Me, starring Gru and his many minions! It’s quickly become a family favorite. See below for more details.

We will also be giving away cloth flyer freebies to all the kids as well. So be sure to get there early and get your spot in the lawn!



 

Document Disposal Days

Our next Document Disposal Day is scheduled for September 14 from 9-11 AM at our Peotone Financial Center at 650 Wilmington Rd. in Peotone. Shred your unwanted confidential papers for free. It's safe and secure.

View the entire 2013 Customer Appreciation Calendar

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