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November 2013 | Volume 10 | Issue 11

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Have you visited our Facebook page recently? If not, give it a try. We post local event information, timely bank security subjects, bank holiday schedules, electronic banking updates and other helpful tips. Simply follow the instructions below to “Like Us” today.

1. Visit our Facebook page - facebook/firstcommunitybankandtrust
2. Click the Like button.
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Member FDIC | Equal Housing Lender An Equal Housing Lender

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Emergency Savings

The Why, How and Where to Prepare for the Inevitable

Why: Saving for emergencies is, and should be, a top priority for every American. Maintaining an emergency savings account may be the most important difference between those who manage to stay afloat and those who sink in debt. That’s because keeping $500 to $1,000 of savings for emergencies can allow you to easily meet unexpected financial challenges such as:

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Investment Center News

 

Diversification, Patience and Consistency

Three important factors when it comes to your financial life.

Presented by Jim Ulman and Clint Squier, Registered Representatives with First Community Investment Center • Prepared by MarketingLibrary.Net Inc.

Regardless of how the markets may perform, consider making the following part of your investment philosophy:

Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear OR bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds, or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately lose out on potential gains that other kinds of investments may be experiencing. So there is an opportunity cost as well as risk. This is why asset allocation strategies are used in portfolio management. A financial professional can ask you about your goals, tolerance for risk, and assign percentages of your assets to different classes of investments. This diversification is designed to suit your preferred investment style and your objectives.

Patience. Impatient investors obsess on the day-to-day doings of the stock market. Have you ever heard of “stock picking” or “market timing”? How about “day trading”? These are all attempts to exploit short-term fluctuations in value. These investing methods might seem fun and exciting if you like to micromanage, but they could add stress and anxiety to your life, and they may be a poor alternative to a long-range investment strategy built around your life goals.

Consistency. Most people invest a little at a time, within their budget, and with regularity. They invest $50 or $100 or more per month in their 401(k) and similar investments through payroll deduction or automatic withdrawal. In essence, they are investing on “autopilot” to help themselves build wealth for retirement and for long-range goals. Investing regularly (and earlier in life) helps you to take advantage of the power of compounding as well.

If you don’t have a long-range investment strategy, talk to a qualified financial advisor today.

Give us a call today. Clint Squier and Jim Ulman may be reached at (708) 946-2246.

Jim and Clint

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Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Cetera is not affiliated with the financial institution where investment services are offered. Investments are: * Not FDIC/NCUSIF insured * May lose value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

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.

 

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Upcoming Bank Holidays

 

Veteran’s Day: The bank will be closed on Veteran’s Day, Monday, November 11, 2013.

Thanksgiving: The bank will be closed on Thanksgiving, Thursday, November 28, 2013.

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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First Community Gold Club News

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, discount on check orders, two free dinners per year, and much more. First Community Gold Club 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.

 

A Christmas Carol, The Musical – December 3, 2013

The Centre for Visual and Performing Arts, Munster, IN

Come 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 (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 Holiday spirit!

Take note the date for this event is Tuesday, December 3rd. All matinees on our normal Thursday trips have been sold out. Cost of the trip will be $70.00, which includes transportation, lunch and show. Your choice of Roast Turkey with Gravy or Roast Sirloin of Beef with Gravy must be given at time of reservation.

Call Marcia or Irene at (708) 946-2246 for reservations.

 

Horseshoe Casino Trip – December 5, 2013

Horseshoe Casino, Hammond, IN

Join us on Thursday, December 5th for our next excursion to Horseshoe Casino in Hammond, IN. and try your luck at some games of chance. If you don’t gamble, feel free to join us for lunch, people watching and hanging out with friends.

We will pick-up our guests in Peotone at 9:00 AM and in Beecher at 9:30 AM. The cost of this trip is $27.00 for Gold Club Members and $29.00 for non-members. Price includes buffet lunch and $10.00 for gaming.

NOTE:  Please make all payments for this trip by November 22nd.

Call Marcia or Irene at (708) 946-2246 for reservations.

View First Community Gold Club Web Page

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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2013 Customer Appreciation

 

Annual Peotone Blue Devils Tailgate Party Is A Huge Success

The weather was perfect and the grill was hot for the Annual Homecoming Tailgate Party on Friday, October 11 at First Community Bank and Trust in Peotone. Over 540 hot dogs and bratwurst, along with chips and pop, were served to the hungry fans that showed up for this free event.

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Halloween Coloring Contest

The results are in! Thank you to all the boys and ghouls that participated in our 2013 Halloween Coloring Contest. We had over 40 entries this year and we look to have even more next year.

Age groups for the coloring contest were 4-8 and 9-12. Winners received $20 cash and a gift certificate to a local restaurant.

Congratulations Kids!!!

Alyssa Kraus
Beecher 9-12 Yr Old

Joel Myers
Peotone 4-8 Yr Old

Tabitha Spitsbergen
Peotone 9-12 Yr Old

 

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Member FDIC | Equal Housing Lender An Equal Housing Lender

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